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WARNING !!! WARNING !!! WARNING !!! Beware of others giving you bad advice. Now, this is not the law, this is just my opinion and my advice.
Lately, I have received a few phone calls from either past clients or from consumers reading my posts. They are telling me that they are being contacted by loss mitigation specialists. And these so-called people are telling them to miss a mortgage payment, so that they can go back to their current lender in order to modify their mortgage, to help lower their rate and payment. Let's dissect this first.
Common sense tells me to always pay my bills on time, no matter what. Right?
What guarantee do I have if I do miss this payment, that my current lender will modify my loan? Doesn't missing a payment tell everyone that I am having difficulty and that I am more of a risk? Does saving $100 extra a month limit my risk? I don't think so, especially not in this economy.
The big question would be the person calling me, giving me this advice. What's in it for them? How do they get paid? Well, many of them ask you for one or two payments upfront, to put into an escrow account. And they take part of that. There are some variations.
My advice? I don't what care what promises they make. I even don't care if it did work for someone once. Again, there is no possible guarantee. And if you have noticed, these companies and individuals have been popping up more and more each and every month. My .02? Just another way to make a quick buck. What's the old saying? Desperate people will do desperate things.
Keep in mind, your mortgage is public information. From what I am finding out, the people that are being targeted most are those that have subprime mortgages, especially those with 2/28 arms, that will increase in rate shortly. And many of these companies are targeting areas such as Ohio, Florida, Michigan, Florida, California, and a few other states. Why? Because these are the states with the highest foreclosure rates.
My advice? Do your research. Speak to your lawyer. Get opinions, but don't jump the gun, looking for a quick fix, just because someone over the phone made a promise or guarantee. Because that just doesn't exist in this industry.
FHA Loans - Conventional Loans - Stated Loans - Mortgages -Helping those with less than perfect credit.
I just want to educate people about mortgages and the process.
In regards to lending, I am very creative, intuitive, honest, and one who communicates information, may it be good or bad. I am a loan officer that looks out for your best interest.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.