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North Carolina HAMP Loan Modification Package

Category:
Real Estate - Foreclosures
State:
Multi-State
Control #:
US-P110-PKG
Format:
PDF; 
Word; 
Rich Text
Instant download
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Description

This package is designed to assist homeowners to obtain a loan modification under the Home Affordable Modification Program (HAMP). Including in this package are the following forms:



1. Request for Loan Modification and Affidavit RMA Under Home Affordable Modification Program HAMP


2. Instructions for Completing Request for Loan Modification and Affidavit RMA Form


3. IRS Form 4506-EZ Short Form Request for Individual Tax Return Transcript


4. Instructions for Completing IRS Form 4506T-EZ


5. How to Request a Home Affordable Modification Guide



Purchase of this package is a savings of nearly 30% compared to purchase of the forms individually!

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FAQ

What Is Loan Modification? Loan modification is a change made to the terms of an existing loan by a lender. It may involve a reduction in the interest rate, an extension of the length of time for repayment, a different type of loan, or any combination of the three.

Flex Modification programs help homeowners experiencing financial hardship to extend their loan term and reduce principal and interest payments. The program can reduce payments by up to 20 percent and move past-due payments to your principal balance instead of making it due upfront.

The Home Affordable Modification Program (HAMP), created in 2009 by the federal government, made it possible for struggling homeowners to stay afloat by modifying the original terms of their mortgage loans. The program ended in 2016, but other mortgage modifications programs have cropped up.

Most Common Reasons for Loan Modification Denial ingly, lenders may refuse to consider a modification request if you have not proved ?financial hardship,?5 which can include loss of a job, illness or disability, or loss of a spouse.

How to Qualify for Loan Modification. Generally, you can qualify for a loan modification if you've had an income loss or reduction that caused you to miss your mortgage payments. Or you have to be in imminent danger of falling behind on payments.

Often, a homeowner won't get approved for a loan modification unless there is evidence of one or several missed payments. Those missed payments hurt your credit score.

Surplus income is the amount of money left after the borrower pays all of their monthly obligations. To qualify for a loan modification under federal laws, the borrower's surplus income must total at least $300 and must constitute at least 15 percent of his or her monthly income.

Lenders differ in their mortgage modification requirements, but typically they require you to show that: You're at least one regular mortgage payment behind, or a missed payment is imminent. You've incurred significant financial hardship, for reasons including: Long-term illness or disability.

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