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https://www.ripoffreport.com/reports/emc-mortgage-corporation/internet/emc-mortgage-corporation-loan-modification-incompetence-internet-617136
I contacted EMC (my lender) to ask them if this was an option available to me. They advised that most of these offers were scams which did not surprise me and was prepared to let it go when their agent said that they would be glad to enter me in their own in-house modification program.
https://emc-mortgage.pissedconsumer.com/review.html
The loan amount for the 1st mortgage sold to EMC was $240,300. I retained the original loan documents from the purchase date of 2/22/2007 through 8/15/16. At that time I moved out of state and following my retention of these docs for 9 years and 6 months , I disposed of the docs.
http://www.givemebackmycredit.com/blog/2009/07/complaints-against-emc-mortgag.html
Jul 15, 2009 · We also talked to the FTC about EMC's loan modification scam, where EMC tells homeowners who are current with their payments, that in order to qualify for a loan modification, the homeowner must be at least two payments behind. EMC tells the borrower not to make payments for 2-3 months and then call them back to modify their loan.
https://www.complaintsboard.com/emc-mortgage-unfair-loan-practices-c295910
EMC used unfair loan practices, that caused me to lose my house, my payment started at under $500 the last payment I made was $719, I told them that I could not make that high of a payment and they foreclosed on my house April 2006.
https://emc-mortgage.pissedconsumer.com/8/RT-P.html
Sep 28, 2010 · EMC Mortgage reviews (www.emcmortgagecorp.com): Very Poor customer Service. Loan modification turned into foreclosure. We too have been screwed by EMC. We complied with their modification rules and not only did they not. It's been since: 11/25/09 sent paper work in-still need papers-fax, refax, tt...
https://nationstar-mortgage.pissedconsumer.com/emc-fight-back-with-class-action-lawsuit-20100920199313.html
Sep 20, 2010 · EMC sold our mortgage to Nationstar and without finalizing our loan modification after 13 months of modified payments. Now Nationstar is attempting to force us into an unacceptable internal modification program or move to quick sell/foreclose on our home.
https://www.nolo.com/legal-encyclopedia/common-mortgage-servicer-violations-loan-modifications.html
Mortgage servicers handle loan modification applications from homeowners. Unfortunately, servicers sometimes make serious errors when processing modification requests. This can cause a number of problems for a homeowner, like missing out on getting the loan modified or even a wrongful foreclosure.. Read on to learn about the most common servicer violations when it comes to loan modifications ...
https://www.complaintsboard.com/bycompany/loan-modification-a79182.html
Loan Modification reviews, complaints, company information and contacts. We use cookies to improve your experience on our site and to show you personalised advertising. By using this website you agree to our Cookies Policy .
https://www.nerdwallet.com/blog/mortgages/all-you-need-to-know-about-mortgage-loan-modifications/
Aug 15, 2017 · “In general, a mortgage loan modification is any change to the original terms of a loan,” says Joe Zeibert, senior director of Ally Home from Ally Bank in Charlotte, North Carolina. A loan modification is different from refinancing. Refinancing entails replacing your loan with a new mortgage…Founder: Tim Chen
https://www.consumerfinance.gov/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/
Sep 25, 2017 · A mortgage loan modification is a change in your loan terms. The modification is a type of loss mitigation. The modification can reduce your monthly payment to an amount you can afford. Modifications may involve extending the number of years you have to repay the loan, reducing your interest rate,...
https://www.ripoffreport.com/reports/emc-mortgage/lewisville-texas-75067/emc-mortgage-modified-my-loan-lewisville-texas-434608
I had my loan modified to a 5% TERM MORTGAGE for the life of the mortgage. They would not extend the loan and did add 40k in back payments and legal fees but I have 2 small children and cannot move. This was done after a bankruptcy (Chapter 7).
https://emc-corporation.pissedconsumer.com/review.html
Oct 18, 2011 · first off emc shouldnt of given us the loan way back when,no money down at 310,000 at 10%interest with a ballon payment.lived in the home for about 14 months fell behind ended up filling chapter 13.while in chapter 13,fell behind on the house payments,emc wanted 4000 dollars...
http://www.givemebackmycredit.com/blog/2011/03/court-roundup-news-on-several-mortgage-servicing-lawsuits.html
Borrowers who have struggled with EMC Mortgage's loan modification program in California may want to contact the class action attorneys, Lanza & Smith, at …
https://ezinearticles.com/?EMC-Mortgage-Loan-Modification---Lower-Your-Payment-in-One-Day&id=2356777
If you have EMC as your mortgage lender and you are struggling to make your payments, this article will explain how to get your loan modification in one day.
https://www.ftc.gov/news-events/press-releases/2008/09/bear-stearns-and-emc-mortgage-pay-28-million-settle-ftc-charges
The Bear Stearns Companies, LLC and its subsidiary, EMC Mortgage Corporation, have agreed to pay $28 million to settle Federal Trade Commission charges that they engaged in unlawful practices in servicing consumers’ home mortgage loans.
https://www.thebalance.com/loan-modifications-315514
Understanding what a loan modification involves and how to get one can help you stay on top of your loan payments and potentially keep your home. Basics of Mortgage Modification A loan modification is a change that the lender makes to the original terms of your mortgage…
https://www.chase.com/personal/mortgage/mortgage-assistance/eligibility-guidelines/mortgage-modification
If your mortgage is guaranteed by the VA, we will review your loan for a VA modification program. You have made at least twelve full payments during the life of the mortgage. Your mortgage payment is not affordable due to a financial hardship. The home is in livable condition and not a condemned property.
https://www.makinghomeaffordable.gov/get-answers/Pages/get-answers-how-avoid-scams.aspx
Only your mortgage company has the discretion to grant a loan modification. Therefore, no third party can guarantee or pre-approve your mortgage modification application. Beware of individuals and companies using mail and/or phone solicitations that claim to be from your mortgage company, but insist that payments be sent to an alternate contact ...
https://www.mcfarlinlaw.com/emc-mortgage-loan-modification/
Oct 25, 2010 · An EMC mortgage loan modification may take an extraordinary amount of time and patience, but it definitely is a possibility under the right conditions. Many borrowers applying for Loan Modification with EMC feel discouraged and frustrated after working with the lender for many months, and sometimes years, but after all that waiting, there can be a nice reward.
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