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msalves76 · Joined: 09 Dec 2006 Posts: 1 1.42 Dollars($)

i am late in my mortgage about 90 days , i dont what to loose my house . i try to work some type arangement with my lender but they dont what to help me at all. i am desperate i and i need to refinance my house

Guest

There are many loss mitigation programs that you can avail to avoid a foreclosure.

Try to convince the lender that if given another opportunity you will be able to get regular with the payments or work according to the plan that will be set.

I am sure they will agree upon such modification plan as foreclosure is also not what lenders often like to implement because of the delays and involved charges.

Guest

Refinance will be quite hard for you avail as you have already 90 days default.

If the lender is not agreeing to listen to you, then take help from HUD approved foreclosure counseling agencies. They will contact the lender on your behalf and try to make out a plan which will be suitable for you as well as the lender.

sitalotbeach · Joined: 03 Nov 2006 Posts: 48 23.63 Dollars($)

I have a lender who will refinance your mortgage to save your home. It is only to refinance the existing mortgage, no cash out. Or only less than $2k cash back.

Let me know if you're interested? I can finance across country and have experience in less-than-perfect credit lending.

sara · Posted: Mon Dec 11, 2006 2:20 am Post subject: RE: loss mitigation services

Hi Msalves,

If you can get a refinance loan at a lower rate compared to the existing rate, you may be able to get rids of this mortgage. But then you will have to pay for the new loan. Since you are already 90 days late, I think it will be better to stay away from refinance. Instead, you can look forward to some Loss Mitigation techniques.

Thanks,

Sara

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