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Tag Archives: Mortgage

Why your mortgage servicer will not approve your loan modification request

In the past, a traditional mortgage lender would decide whether to foreclose or restructure a defaulted loan based on a cost-benefit analysis of available options. If the lender stands to make more money by modifying a loan than the lender would make on the home through a foreclosure sale, the lender would generally choose to […]

Strip-off Your Second Mortgage

Falling Home Prices and resulting increase in Chapter 13 Lien Stripping U.S. homes values have continued to decline in the last two years. As a result, the equity in homes throughout the U.S. (especially Colorado and surrounding states) has continued to decline. Many experts estimate that by 2011 nearly 50% of all homes will be […]

Can I buy a house after filing bankruptcy?

Several studies reveal that within 18-24 months after a bankruptcy discharge, bankruptcy debtors may qualify for a mortgage loan on the same terms as if they had not filed bankruptcy. Future lenders will be much more interested in the amount of your down payment, the stability of your income, and the relationship between the loan […]