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in the process of doing loan mod they put us on a trial for three months we did that and sent in all documents now there telling me that it could be 60/90 more days for a decision? in the mean time they said keep making the payments i hope they dont take me for a ride so they only get a couple more payments? i want to get on with my life do we move or do we not the money im giving here could be used for themove if they say no. what to do?

I hope you are doing a modification with your current mortgage holder.

If not, please google the name of the company you are dealing with
Follow the company name by the word(s):
complaint, scam , rip-off

There are some companies in the Nevada and California area that are flat out scamming customers.
Also check the BBB.org website to make sure there are no complaints.
Reserach, research, research.

If you have questions contact Hopenow.com set up by HUD to help homeowners stay in their home.
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My husband Lost his Job thorough no fault of his own 3months ago and in November of last year I lost my job and took another job in January with about half the pay. I also work a PT job. With his unemployment and my job our cash flow take home pay went from 5000 a year ago to now 3000. Currently our bills our car loan 375, student loan 200, utilities/HOA/insurance and COBRA payments are all 750-900 THEN our house payment of 1500. We have a interest rate of 9.5% an our home is 20k underwater. after all of this we have nothing left over for food, gas for the car. We have been using our savings for this, we have seen that go from 40k to 20k going even more rapidly as we speak. I looked into loan modification if we would get that interest rate lowered we will be fine. I need a honest answer would it be easy to get it modified. No rude commits please what happened to us was not our fault we both lost our jobs do to this great economy. Our bank is BOA and we have a fixed 9.5%

The federal government is catching up with the times such that you need not consider what has happened to others in the past, but focus on what can help you in the future before things get worse. Contact your lender immediately and see what they can do as they are not interested in adding your house to the thousands they already own through foreclosure.

I am looking to find a foreclosure or bank owned foreclosure homes in New Jersey. Does anyone know a free toll free number or a really good site where i can get listing of the homes in different counties? or has anyone tried doing any foreclosure listings and what sites or places did you guys call?……….thank you very much.

I think a realtor would be your best bet.

Home to be sold within 30 days I believe. How do I stop this process? I need help!

Bankruptcy will not stop a foreclosure, it is secured debt attached to the house. depending on your state laws and foreclosure process it can take up to a year (it does in Michigan) but in many states the redemption period is only a few weeks. Now is a good time to contact your lender, ask for a "letter of forbearance" or possibly a loan modification – if your credit has not been destroyed this may be your best option. Next I would look for a reputable investor or two and see if they can help. if none of these options work then it is time to call a realtor. Look in your local paper for the biggest ad you can find – why you ask? if they can afford to run a big ad week after week they are probably selling some houses – make sense?

John

Three members of the family want to sell the property while it has some value and the other three members do not want to sell.

Hire a real estate attorney. If all six own the property equally, the ones who want to keep it can pay the others equal 1/6th vale of the property.