A LOAN MOD GURU
THIS IS WHAT PEOPLE ARE SAYING ABOUT ANNA CUEVAS, A LOAN MODIFICATION GURU
“Anna is very professional and I love working with her. She was always helping us work towards a common goal…. Getting the deal closed ! Thanks Anna!”
“Anna was the hardest working person I worked with during my ten years.Any organization would be lucky to have Anna on their team.”
Anna often led the entire country. She worked hard and consistently and worked well with those around her.
“Anna Cuevas was the #1 in the United States. Anna’s has great work ethic. I worked with her in several training capacities in which she even passed on her skills and knowledge to make others successful.”
” If I ever had a problem with a loan I could give it to Anna and she would get it through faster than anybody could expect. She is professional and is somebody I know I can count on and so should you”
“Anna, is a great talent combining great people skills with a solid understanding of the product and guidelines. She also possesses a great work ethic and will do what it takes to get the job done.”
“I have had the privaledge of working with Anna she is an outstanding professional who cares deeply for her customers. She has an extensive knowledge of the industry and puts this to work in everything she does. She works harder than anyone else and ensures that everything is taken care of while maintaining an absolute positive attitude. I strongly recommend Anna as a consumate leader and role model in the business world.”
“Anna is an extremely hard working, she simply out works here peers by possessing a high personal drive, combined with high motivation and work ethic. She is personable, liked by all, and has a skill to gain others trust, to work toward common goals. If you want results, have Anna on your team, she is outstanding and multi skilled.”
“I worked with Anna as the manager of her inside support team. She is a highly motivated, and is definitely known as a closer. She also had good follow up and was always helpful in resolving any issues. This ownership of her loans is a quality that sets Anna apart from the crowd.”
“Anna “The Closer” Cuevas consistenly reaches her goals. Anna really earned her nickname “The Closer”.
“Anna is a highly motivated person that set’s her goals and achieves them quickly. It was a pleasure working with her.
“Anna is one of the most dedicated professionals I have ever worked with. Anna always displayed a high level of professionalism and work ethic. Competitive, hard-working and good at establishing/growing relationships are just a few of the qualities that Anna brings to the table.”
“Anna was truly a superstar. Result orientated person.
Anna as been invaluable in helping us navigate through a traditional mortgage with our servicer. Her knowledge is is vast, and I am confident that following her advice we will get our modification, one way or the other. Thanks Anna!!!
You are welcome Paula -Thank you for your comments and questions. Remember to expect miracles and think good thoughts because thoughts become things.
Please let other people know that there is help available here on my site.
In gratitude,
Anna; A Loan Mod Guru
Thank you Anna you are a blessing to us all..
My lender is BofA, Investor Wells Fargo.
LETTY, You are welcome – still waiting to hear the latest developments. I am here for you – in constant prayer for everyone.
Our Deepest fear – get this book RETURN TO LOVE! Marianne Williamson
“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? You are a child of God. Your playing small does not serve the world. There is nothing enlightened about shrinking so that other people won’t feel insecure around you. We are all meant to shine, as children do. We were born to make manifest the glory of God that is within us. It’s not just in some of us; it’s in everyone. And as we let our own light shine, we unconsciously give other people permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.”
Anna
Anna,
I called my lender as you advised and asked why I was denied for my HAMP loan and asked ‘all’ of the questions you prepared me with. The agent would only confirm my income & expenses, but not line by line, she kept insisting that she didn’t have any other information. She didn’t even have the property value. She did however tell me after I pressed that on a previous denial it was because ” I was unable to afford the modified payment amount per the investor guidelines.” I asked what the guidelines were and she said that they were not informed of that information. After that I went out and frantically found a renter and increased my income. I then asked why I was denied on my most recent attempt and I was told that it was because I had an excess income of $374.38. She also said that she did not have the npv information. I continued to press for more information and she said that previously I was denied because I was unemployed, however I am collecting unemployment. This took an entire day to do this. I am not complaining, as frustrating it is I will do whatever it takes to get this accomplished. I am hoping that my lender will respond quickly to my written request for the detailed information and then I can reapply. I don’t think that one should be penalized with late fees and should also not be reported to the credit bureau. I have been making payments as advised by my lender, however penalized severly as a consequence. While a customer is in this process they should be exempt from these penalalties! I guess it is a waiting game for the time being. I still feel empowered with the information you supplied me with and I am not going to to give up. So this will continue until I find out what is needed of me. Thank you Anna! A.C
Allison, I am so proud of you – I know it is a pain in the rear but it is part of the game. If you are fully aware of what you are getting into prior to getting into it , it can make it just a little more bearable.
Here is this info for you – You can fax the Treasury Dept your letter and you can call Fannie Mae and tell them of the trouble you are having
Phyllis Caldwell
Chief of Treasury’s Homeownership Preservation Office
Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, D.C.
20220
Fax: (202) 622-6415 fax
Fannie Mae – you are going to call this number 800-732-6643 press 1 and
tell them your story they will connect you with a 2nd level manage that has
access to your loan
Allison, I am so proud of you – I know it is a pain in the rear but it is part of the game. If you are fully aware of what you are getting into prior to getting into it , it can make it just a little more bearable.
Here is this info for you – You can fax the Treasury Dept your letter and you can call Fannie Mae and tell them of the trouble you are having
Phyllis Caldwell
Chief of Treasury’s Homeownership Preservation Office
Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, D.C.
20220
Fax: (202) 622-6415 fax
Fannie Mae – you are going to call this number 800-732-6643 press 1 and
tell them your story they will connect you with a 2nd level manager that has
access to your loan
Anna,
I finally was able to speak with my negotiator, Janet, at BofA. She was not in the office yesterday. I did as you advised. I asked her the denial reason and she states it is because I did not pass the NPV calculation. I asked her to review all factors, income, expenses, and value from BPO line by line. She said she did not know if she could do this. She stated that she would have to run it by management. I explained that the 1/1/10 HAMP guidlines entitled me to receive all factors used for NPV calculation. She went on to say that she did not know if this would help me but the frequency used 106 and 49% severity. She did not give me anything else. I went on to tell her that eventhough the NPV calculation had not passed it was still at the discretion of the investor to offer or not the HAMP. She stated she would submit it to the investor for a yes or no. She would call me this week. She also metioned that in three months MPV factors could change or my income could change, maybe then the MPV would pass. By the way, at this point the negotiator sounded really frustrated, she just wanted to get me off the phone. Nothing in comparison to what I’ve been put through.
Nonetheless, thanks to your guidance and that of the Holy Spirit, I’m staying ing this fight and I know I will win…
P.S.
What should be my next step? Should I request the NPV factors in writing?
Hello Letty — I am sooo proud of you – Great job! Did you feel empowered this time calling?
They should have at least given you your own income and expenses – over the phone– yesterday I fixed a problem on one with Wachovia – it was denied for HAMP for NPV because he was not late — ok he has not paid since 01/01/2009 ! 12 months late – guess what they input 1/01/2010 – instead of 2009 – problem fixed NPV approved!!! – If you don’t know what these poor overworked negotiators are putting in, how can you know if they made a mistake –
I want you to start composing a letter that would even make me cry at everything you have gone thru – then we are going to add the NPV paragraph read my latest post – Then I will tell you where to send it…. Im excited we are going to FIGHT this together! —
Isaiah 56
Salvation for Others
1 This is what the LORD says:
“Maintain justice
and do what is right,
for my salvation is close at hand
and my righteousness will soon be revealed.
Hello Letty, I am not sure if I ever answered you here? Did you send the NPV request in writing? its been about 20 days just wondering what you have heard? Let us know – we care!!
Some souls think that the Holy Spirit is very far away, far, far, up above. Actually he is, we might say, the divine Person who is most closely present to the creature. He accompanies him everywhere. He penetrates him with himself. He calls him, he protects him. He makes of him his living temple. He defends him. He helps him. He guards him from all his enemies. He is closer to him than his own soul. All the good a soul accomplishes, it carries out under his inspiration, in his light, by his grace and his help.
Concepcion Cabrera de Armida
Expect Miracles,
Anna
Hello Anna,
I have the letter together. Where do I send it?
Am I also going to request the NPV factors that were used in writing? You stated you had a template?
Thanks for your help!
Hi Miss Letty – give me a few minutes, I just got home from the office — I hope you had a fabulous day !! Everyday should be a fabulous day –
EXPECT only Miracles – see you back in a few.
Anna
Hey Anna,
So where do I need to submit the letter you asked me to write?
Am I also going to request the NPV factors that were used in writing? You stated you had a template?
Letty
Hello Letty, Check my latest post for all the factors and tips
Let me know if I could help you in any way 
“Trust in the Lord with all your heart; and don’t lean on your own understanding. In all things acknowledge him, and he shall direct your way. [Proverbs 3:5, 6]”
Sorry it was a long day yesterday for me. I did not forget about you
Bank of America, N.A.
MHA Escalations Unit
P.O. Box 940070
Simi Valley, CA
93094-0070
800-596-8395 FAX
Hello Anna,
Should I request the NPV factors used in my calculation, perhaps from a supervisor? You mentioned in one of your posts that you have a template to do this in writing. Can you please provide me with it?
Thanks for helping,
Letty
Hello Letty – Here you go! Ask the Holy Spirit to guide you and whoever reads your letter!
God is omnipresent — he is present everywhere. Because this is so, you can never be lost to his Spirit. This is good news to those who love God, because no matter what we do or where we go, we can never be far from God’s comforting presence.
cut and paste the letter below – add your loan number and fax and certify mail – return receipt requested -
_______________________________________________________________________________________________
URGENT ASSISTANCE NEEDED – REQUESTING ALL INCOME AND EXPENSE AMOUNTS USED AND THE NPV INPUTS USED IN DENYING MY HAMP HOME AFFORDABLE MODIFICATION PROGRAM
Loan#
DEAR EXECUTIVE OFFICE MHA/HAMP ESCALATION TEAM:
I was recently notified that I was denied for a HAMP loan modification due to NPV – Per the Treasury guidelines for HAMP I have the right to have an explanation of what the NPV means including for you to tell me the factors used to make the NPV decision and I hereby request the values used in making the calculations along with the date the process was completed within 30 days of the notice of denial. and dates, per that same guideline. I have attached the portion of the Treasury HAMP directive for your review. In addition I would like a line by line explanation of what gross income was used, what expense figures were used as well as where the value you obtained came from, was it a BPO, What amount was it, because the value I have differs significantly from the value figure I was given by the representative.
HAMP Directive:
When the borrower is not approved for a HAMP modification because the mortgage loan is deemed NPV negative as outlined in Announcement 09-31, Updates and Clarifications to the Home Affordable Modification Program, the notice must include a list of certain input fields that are considered to reach the NPV result and a statement that the borrower may, within 30 calendar days of the date of the notice, request the date the NPV test was completed and the values used to populate the NPV input fields defined in Attachment 1.
Sincerely,
cc: Department of Treasury
Phyllis Caldwell
Chief of Treasury’s Homeownership Preservation Office
Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, D.C. 20220
_______________________________________________________________________
If you are Fannie Mae or Freddie Mac then cc them too
ask@askaloanmodguru.com
Anna Cuevas
http://www.askaloanmodguru.com
EXPECT MIRACLES!
Anna,
I really don’t know how to thank you. Everytime I read one of your posts/response I find strength and realize that I’am not alone. You are the guiding light to all that are in the same boat. With you and the Holy Spirit as our guide we can all get through this.
I will keep you updated. Once again thanks for all you do…
Letty
Letty – You feel it because the “truth” always prevails and I feel the Holy Spirit is on this site – Do you feel his presence? I do!! …… and You are welcome!
I will instruct you and teach you in the way you should go, I will
counsel you and watch over you.
– Psalm 32:8
EXPECT ONLY MIRACLES,
Anna
Hi Anna
I have been using your site to also help myself fight the Negative NPV report and I have drafted a letter demanding the know what values they have used even the Hope line called chase and told them they too ran the values and don;t undertstand how I failed.
I have written you before and you have not answered me directly but I thank God for you and this web my the grace of god we will all get thru this I am keeping the faith I come here when I feel afraid because I know I am not in this battle along it encourages me to see so many other people fighting to.
God Bless you Anna your an Angel
Hello Elizabeth — Its Anna — I have responed to you
Please know I am here for you —
I am here for you!! I will instruct you and teach you in the way you should go, I will
counsel you and watch over you
This is what I wrote:
Submitted on 2010/02/02 at 5:54pm
Hello Elizabeth – Welcome to “our” site!!! You can do this!! FEEL free to send me you details so I can take a look at the formula and calculations for you – Beleive you will be successful and you will!!
Get them with their own guidlines – put this in writing – there is a sample letter on this site * Feel free to lean on me!
Supplemental Directive 09-08 November 3, 2009
Home Affordable Modification Program – Borrower Notices
Negative NPV. The Home Affordable Modification Program requires a calculation of the net present value (NPV) of a modification using a formula developed by the Department of the Treasury. The NPV calculation requires us to input certain financial information about your income and your loan including the factors listed below. When combined with other data in the Treasury model, these inputs estimate the cash flow the investor (owner) of your loan is likely to receive if the loan is modified and the investor’s cash flow if the loan is not modified. Based on the NPV results the owner of your loan has not approved a modification.
If we receive a request from you within 30 calendar days from the date of this letter, we will provide you with the date the NPV calculation was completed and the input values noted below. If, within 30 calendar days of receiving this information you provide us with evidence that any of these input values are inaccurate, and those inaccuracies are material, for example a significant difference in your gross monthly income or an inaccurate zip code, we will conduct a new NPV evaluation. While there is no guarantee that a new NPV evaluation will result in the owner of your loan approving a modification, we want to ensure that the NPV evaluation is based on accurate information.
Hello Elizabeth – Welcome to “our” site!!! You can do this!! FEEL free to send me you details so I can take a look at the formula and calculations for you – Beleive you will be successful and you will!!
Get them with their own guidlines – put this in writing – there is a sample letter on this site * Feel free to lean on me!
Supplemental Directive 09-08 November 3, 2009
Home Affordable Modification Program – Borrower Notices
Negative NPV. The Home Affordable Modification Program requires a calculation of the net present value (NPV) of a modification using a formula developed by the Department of the Treasury. The NPV calculation requires us to input certain financial information about your income and your loan including the factors listed below. When combined with other data in the Treasury model, these inputs estimate the cash flow the investor (owner) of your loan is likely to receive if the loan is modified and the investor’s cash flow if the loan is not modified. Based on the NPV results the owner of your loan has not approved a modification.
If we receive a request from you within 30 calendar days from the date of this letter, we will provide you with the date the NPV calculation was completed and the input values noted below. If, within 30 calendar days of receiving this information you provide us with evidence that any of these input values are inaccurate, and those inaccuracies are material, for example a significant difference in your gross monthly income or an inaccurate zip code, we will conduct a new NPV evaluation. While there is no guarantee that a new NPV evaluation will result in the owner of your loan approving a modification, we want to ensure that the NPV evaluation is based on accurate information.
ask@askaloanmodguru.com
Anna Cuevas
http://www.askaloanmodguru.com
1
Dear Anna, thank you for you last email. I have tried to contact you however I don’t believe I was successful. I wanted to let you know where I am at with my loan. I sent my request for the NPV’s etc. however it has been about 7 business days and no answer as yet. I did however receive my 3rd denial for the HAMP in writting and the reason differed from what the bank agent told me over the phone. I was told that I had an excess of income. Now, the written denial states per the investor’s guidelines I am not able to afford my property. So they are suggesting a ‘short sale’, oh my!!!!! So, in the meantime I have answered all of their calls which seem to be almost daily and I am told that they could foreclose any day, or you are not in foreclosure, so confusing, it depends who you talk to.
I also received another letter stating that I need to pay all back payment’s within 10dys. yikes!!!! I am waiting to talk with Fannie Mae however they are not available due to the inclimate weather back east. Also, I wanted to ask you if I am able to request the HAMP guidelines of my bank as I was told that “a private investor holds my loan and does not accept the HAMP loan at this time, and that my loan will be rejected again because of this. Also is this investor held to the same guidelines as the HAMP? I was also told that it can be rejected “just because the investor decides to”. I need your help again, I’m trying to stay calm but without this knowledge I’m not sure what to do Anna, please advise me. I am praying and trying to stay positive. I want to re apply however I am waiting for the response to my request. Am I wasting precious time waiting if the investor doesn’t use them, or has differnt guidelines? Do they have to answer me if this is the case?
As frightening as this is, I am much more knowledgeable after finding your site and having your help. I would really be ‘frantic’ now I have some peace and am a lot better off than I would have been otherwise. I am so grateful and feel so blessed to have found you and your site. Please let me know what you think I should do now. Thank you Anna, you’re the BEST!!!!!!!!! AC
Hello My dearest Allie! I have sent you several emails – Please check your junk email and make sure to save my email to your contact list so I don’t get thrown into junk.
#1 we need to find out for sure if your loan is Fannie Mae or not – did you go to the look up tool link on my other site? http://www.myhomeremedy.com/contact.html that way we can know for sure. If your investor does not use the HAMP guidelines that we need to get to the bottom of what guidelines they do use because they didn’t like when you had too much income, then too little – you are not Goldielocks and the 3 Bears here LOL trying to add some humor — we have to laugh to keep from crying sometimes. Anyhow my dear Allie, I sent you a few emails and I would like for you to let me know if you got them. I have a little game plan for you!
… say to those with fearful hearts, “Be strong, do not fear; your God will come, he will come with vengeance; with divine retribution he will come to save you.”
Isaiah 35:4
EXPECT ONLY MIRACLES!
anna
Hi Anna
Yes I spoke with Chase yesterday, they claims for right now my file is under review as they are awaiting direction from the Treasury Department for files that were denied based on NVP, they claim that right now they are not suppose to deny. Also the file has to be ran a second time to make sure that it was done right the first time.
This all sounds good my greatest fear is that they are stalling until they can just foreclose on my house. Chase and Bank of America have been doing this in Texas as it is non-judicial state.
I have sent for a copy of my first denial anyway under RESPA and sent it certified return reciept mail, Chase claims that for now they don’t really have a decision because basically I have not been really denied.
I will keep you posted I am going to try and speak with a manager today and see if I can get more information.
God Bless thank you for the prayers.
Elizabeth
Hi Anna,
I am praising the Lord that I found your site! You’re heaven sent!
I’m going through foreclosure right now but do not have a sale date
as of yet. I have been on disability for 14 months but is back to work
in the next 2 weeks. Although I’ve added all my gross income and
has more than enough, I’m still getting denied over the phone by BofA.
I haven’t slept in 2 days trying to save this house. And I will be going
to the NACA workshop tomorrow and sign up for help. I found a free calculator
from another company and it will calculate what you should input in order
for the banks to approve loan modifications. However, I can’t find that
website and it’s driving me nuts. Do you have any suggestions on the calculations to be approved for the loan mod or do you have any free
calculators that people can plug in figures? Thanks! Lynnette
Hi Lynnette,
How are you? Good luck with NACA tomrw – stay on them! Do you know if your loan is fannie mae or freddie mac? You can give me some of your figures to see more or less where you are – are you talking about the HAMP eligibility calculator – I will be more than happy to run some numbers for you
What is your loan amount
How much do you think your house is worth
what is your current payment
what is your gross income
monthly property taxes
monthly insurance
hoa if you have one
For the LORD grants wisdom! From his mouth come knowledge and understanding.
7 He grants a treasure of good sense to the godly. He is their shield, protecting those who walk with integrity.
8 He guards the paths of justice and protects those who are faithful to him.
9 Then you will understand what is right, just, and fair, and you will know how to find the right course of action every time.
Expect some miracles,
Anna
Dear Anna,
We are trying to get loan mod for my brothers duplex and we were able to get the three months period from Aruora loans, we have some doubts about the whole thing can you give us some advise?
Hello Mai, Where are you in the process and what are your doubts – please tell me how I can serve you.
Always be humble and gentle. Patiently put up with each other and love each other. Ephesian 5:2
Expect Miracles,
Anna
Hello dear Anna,
I wanted to follow up and report back concerning my attempt to get a loan mod w/infamous IndyMac. I followed your instructions and despite not having my disability income proof yet – Social Security has not awarded me disability yet, neither has CIGNA – I did as you said and submitted the HAMP app and gave IndyMac projected income figures. Today, I heard back from a real person, with a real first and last name. It was b/c I faxed my app along w/a cover letter to Kelly Spencer as you told me to do. It is unfortunate that finally a real person has responded to me only now, because they will not accept income projections for the disability – they need actual proof. I have been trying to get connected to a real person at IndyMac for so many months, and had someone there listened to me all of the those months ago when I submitted my first mod app, when I still had income, I could have avoided the current scenario. So – I cannot move forward w/o actual disability, which won’t happen until May or so. Any suggestions on how I can buy some time? I’ve already done the RESPA letter which stalled things. I also went through HOPE counseling. Not sure there’s anything else I can do at this point.
Thank you dear Anna for listening and for helping so many people.
Hello my sweet Jane!! Nice to hear from you — I am so glad you got a live person – now what exactly did they ask and what exactly did you tell them and then what did they say? ok so tell me how much time you have there in your state? Are you able to make any payment right now? Is there a roommate possibly or someone in your household that contributes or would be willing to contribute to your household?
Try to call that “live” person back and see if they will give you a 3 month moratorium – the lender can allow a moratorium from payments- let them know what is going on and what is expected and that as soon as that happens this is the projected amount but that you just need to hold on until that date – Stay determined stay positive, believe!! Meditate every day Jane ask the Holy Spirit to be there with you – with the lender, with the attorney for your disability and the insurance companies – you will be guided!
Plan C – Otherwise – although I would not normally suggest this until the very end – if you get close to any sale date then you need to hire an attorney and file for a BK to buy you some time – I will help you figure this out –if it comes to this.
“And Jesus said unto them … , “If ye have faith as a grain of mustard seed, ye shall say unto this mountain, Remove hence to younder place; and it shall remove; and nothing shall be impossible to you.”
Romans 1:17
Expect Miracles,
Anna
Hi Anna,
Here is the message I received from the IndyMac person:
“…I was forwarded a letter that you sent to Kelly Cooper Spencer, VP dated February 3, 2010. Your letter was in reference to your difficulty in making your mortgage payments and your request for a loan modification.
I have reviewed the documents attached and unfortunately the proof of income is not sufficient. In order for us to be able to include the disability income we will need the award letter from the state along with proof of deposits or copies of the checks. For the disability from your employer we will need proof such as monthly statements / pay stubs. Please fax these items directly to me at the number listed below. Upon receipt I will review the documents to determine what options may be available to you.”
When I sent the HAMP app I included the pay rate from CIGNA with my W-2 and pay stubs – enough to make a calculation. I also included my Social Security annual statement showing what I would get if I went on disability. Of course I also sent the usual bank statements, tax returns, etc.
I’ve been in my house almost six years – Massachusetts. Unfortunately right now I can’t ask anyone for assistance w/mortgage payments and I’m completely tapped out; I’ve had to apply for public assistance until my disability stuff gets resolved. Never in my life did I think I would have to do this, or ask for help from local organizations. I’m even overdue w/taking my sweet Australian Shepherd for his annual vet visit; his brother (my other dog Bailey, the Bearded Collie) passed away three months ago amidst all of this, and it has been quite an adjustment for us both. I’m three months behind – almost four – on my mortgage. The IndyMac person did not include a phone number, just a fax. I could write/fax her a letter asking for a moratorium. I didn’t quite understand your plan C? Sorry for going on for so long! Thank you so much.
Hello Jane – I am so sorry that you are going thru all of this – and I am sorry about Bailey – my pal is Jack my Jack Russell terrier- I don’t know what I would do if something were to happen to him!!
I think you should read the quote below – then do a little meditation and ask for guidance -then you are going to put together a letter, and let me see it first – Be exact and precise about what you need – let them know why you need this and how long this is going to take to be out of this hardship. How much longer till you know??
Plan C was to file for bankruptcy as a last resort to buy you some time.
Holy Spirit of God, visit now this soul of mine, and tarry within it until the eventide. Inspire all my thoughts. Pervade all my imaginations. Suggest all my decisions. Lodge in my soul’s most inward citadel, and order all my doings. Be with me in silence and in my speech, in my haste and in my leisure, in company and in solitude, in the freshness of the morning and the weariness of the evening. Give me grace at all times to rejoice in Thy mysterious companionship. John Baillie
Expect Miracles,
Anna
Thank you dear Anna. I’ve been trying to clear my mind and meditate on this all day. I’m going to take another day to really think this through clearly, and come up with what I need to happen – in simple terms. I will then put a letter together and show it to you. Just need to do some breathing…
Thank you again, and I hope to give you something to read in the next day or so. You are very special.
Jane – thank you for the kind words
it will all come to you – you will see! Breath, meditate with gratitude in your heart and listen…..
“Have you not known? Have you not heard? The everlasting God, the LORD, The Creator of the ends of the earth, Neither faints nor is weary. His understanding is unsearchable. He gives power to the weak, And to those who have no might He increases strength. Even the youths shall faint and be weary, And the young men shall utterly fall, But those who wait on the LORD Shall renew their strength; They shall mount up with wings like eagles, They shall run and not be weary, They shall walk and not faint.” (Isaiah 40:28-31 NKJV)
Expecting your miracles,
Anna
Hello, I am very slow and can’t find your answer on the post. My husband needs to get on so I have to stop. I really appreciate your help. Thank you.
Jeunko
Hello this is what I wrote to you:
Submitted on 2010/02/19 at 12:54pm
Hello Jeunko – don’t give up –Please watch this: http://www.youtube.com/watch?v=JgUc7eLXs0s
Get everything together – go thru all of your paperwork – put together your package with careful thought – call in the Holy Spirit to help you when you are doing this -
who is your lender? I am here to help you.
Jesus said unto him, If thou canst believe, all things are possible to him that believeth.
–Mark 9:23
Dear Anna,
I wanted to share with those who visit your website what an inspiration and help that you have continued to be for me while I have been trying to secure the HAMP loan. I first visited your site desperately trying to find information to help me understand how and what I needed to do to obtain this loan in order to save my home. You were so kind to give of your time explaining to me what to do and sharing your knowledge. With your positive attitude and especially sharing your spiritual awareness, you gave me the hope and wisdom to be able to continue to try to accomplish this with some peace of mind and strength. What a relief!
It has also been helpful to me to be able to read testimony from others learning from them, and that unfortunately there are so many of us out there that are experiencing the same struggles. I can see how many of us that you have helped, it is so amazing that one person can do so much!
I know that you help with a charity to send students to Washington DC to see first hand the history of our government. I believe that this is a very important cause as it is so critical to inform these young citizens of the history of our country. I hope that others that you have helped will visit this site and contribute anything they can. I didn’t think that I would be able to help someone else during such financial difficulty, then I learned that this is the best time to give when you ‘are’ having difficulties and it doesn’t matter how little you are able to give.
Thank you Anna for your kindness in helping me and others on this site, and helping these students have the opportunity to see our history! I hope others will visit the site at http://www.8thgradegoestodc.myevent.com/3/donate.htm Thanks for the opportunity to give back to such a great cause!
Thank you Allison – the kids will be so grateful to you and your efforts to help them – Finally, brethren, whatever things are true, whatever things are noble, whatever things are just, whatever things are pure, whatever things are lovely, whatever things are of good report, if there is any virtue and if there is anything praiseworthy—meditate on these things. (Philippians 4:8 NKJV)
expect miracles,
Anna
Hello Anna,
I left a post yesterday and today I don’t see it. So I’m posting again. I really appreciate your site and your words, as I pray every day about keeping my house. I have a 5/1 adjustable arm for 400k and a adjustable 2nd for 100k. My first question is can I use my significant others (not married) income in applying for hamp? He has most of the income now however he has bad credit. My income is low but I have good-excellent credit. The loan and title are in my name only. I think we may qualify if I can use his income. I have a year and a half to go before my first adjusts, and we struggle to make the payment every month, I’ll surely lose it when it does adjust. Any words would be appreciated, to many sleeplesss nights have been spent. Thanks for being out there.
Aloha,
Nan
Aloha Nan,
How are you? I approved your post yesterday but had a busy night with my kids last night so I apologize for not answering until now. I want you to make sure you are not cutting yourself short with using his complete income, which by the way CAN be used. I would highly suggest that you do the calculations from my article “How to calculate your income like HAMP does” as a guide as your new TOTAL payment will be based off of the total gross income used, so the higher the income the lower the payment but it needs to be just right or you may fail the NPV test… catch 22.
I am happy to help you if you do not understand how to figure it out – just make sure to send your details to me.
I am the Lord your God. I am holding your hand, so don’t be afraid. I am here to help you. Isaiah 41:13
Expect Miracles,
Anna
Hi Anna,
Thank you very much for all the tips and information you are sending in my email. As you know, we have been denied 3 times already for the loan modification and it really gives us headaches for our huge high interest rate on both of our loan. They said the reason is to show enough income to sustain a modified payment, To have a substantial value of the house real estate market and income is too low. What kind of strategy should I do next Anna. Could you pls. show and help us. Please let me know what you needed from me?
Thanks,
Arlyn
Hello Arlyn, I am sorry that you have been going through all of this.
Get me your gross income
montly property tax, and home insurance3
current payment
property value per http://www.eppraisal.com
Homeowners association fees if you have it
are you currently behind
and do you have more than 3 months payment in the bank – they do not like it if you do.
Come to me, all you who are weary and burdened, and I will give you rest. Take my yoke upon you and learn from me, for I am gentle and humble in heart, and you will find rest for your souls. For my yoke is easy and my burden is light. – Matthew 11:28-30
Expect Miracles,
Anna
Anna, thank you for your infomrational emails!
A question about the one you sent today, March 4, 2010:
Regarding the “qualified written request” under the Federal Servicer Act, would this request apply to HELOCs too?
Thank you so much, again,
Jessica B.
Hello Jessica! You are very welcome!
I would send it to your HELOC – puts them in check and you can make sure payments and charges are correct. Keep up the good work – you will make it happen!
“So do not fear, for I am with you;
do not be dismayed, for I am your God.
I will strengthen you and help you;
I will uphold you with my righteous right hand.”
Isaiah 41:10
Expect Miracles,
Anna
I “found” Anna on some random website back in January. She had posted a comment among hundreds of others. Hers stood out immediately because she offered hope by being positive. I was at the lowest point of my life because I had just found out I had been denied for my trial loan modification, and I was going to lose my home. I had spent hours and hours on my computer, trying desperately to find help. I hadn’t slept in weeks, I was sick, and I was lost. I couldn’t understand why people kept talking about my home as an investment, and that I would be better walking away from it. I am a single mom of two who spent her entire life savings to have a HOME…not an investment. I was about to give up. And then I read Anna’s comment about hope and postive thinking, and I went to her website and left a question. I thought she might answer in a few days and it would probably be the same kind of response I had recieved from others. But I was wrong. Way wrong. She responded back to me within an hour! And she spoke to me like I was a real person. I have no knowledge of math calculations, percentages and what not. But Anna took the time to break everything down for me so that I could understand it…and before I knew it my hope had been restored. She drafted letters for me, gave the names and addresses, and specific directions. And all the while, making me stonger spiritually and physically and mentally. I was able to sleep again. She gave me back my dignity. That in itself, was a miracle. But I had been trying to save my home for almost two years, and quite frankly, I just didn’t have a whole lot of energy left. Even though I knew I could do it by myself, with Anna’s guidance, I really just wanted to let Anna handle it all so that I could get back to my life. So I met with her, and I loved her instantly and I knew..KNEW…everything would be ok. I hired her in February and this past Saturday I received my permanent modification offer! My permanent offer!! I know with all my heart, God introduced me to Anna exactly when I was supposed to. There is nothing this woman cant do. She saved my home. But more importantly, she saved me. Thank you Anna! Thank you, thank you, thank you.
Veronica – You are very welcome, I cannot take the credit as I am merely an instrument with a specific mission to bring people back to Him. If anything you saved me! Your words continue to humble me and show me that God has big big plans for us, plans that we don’t have any idea about when going through challenges until we remember who we are and that we are NEVER alone. As soon as we surrender ourselves and completely trust in the power of God things immediately begin to change. Your testimony is living proof that miracles are all around us – because you are the miracle Veronica and you must never forget that. Many people travel the world to look for and see miracles but we pass ourselves by everyday and don’t even notice. I am so glad that God sent you to me and that from the second that we connected I felt I was given a new friend. Thanks be to God!
But Thank you God for letting our Lord Jesus Christ give us the victory! I Corinthians 15:57
We’ve got miracles here!!
Anna
hi anna, do you have any higher ups in indymac onewest bank i can send a certified letter to somone that gets the modfication after 3 months ..thank you
Hello Anna, I found your website after doing a researh of how to deal with my loan modification denial… ! for the first time One West Bank, I have not received the denial letter yet, but I was told last night that the letter is on the way to us.. Do you have any tips of how to deal with ONE WEST BANK ( Indymac) ?? what should I do ? what do you recommend ?
I think you are doing a great job by helping people ! Thank you .. And keep on reading the bible it is the best thing in life .. Creo que sabes Spanish y puedes leer Juan 17:3. Gracias por todo.
Hola Javier, I am so glad you found “our” site! I would first suggest to compose a letter asking for all of the specific reasons you were denied once you get the letter – where are you in the foreclosure process? Please feel free to send me the numbers for your specific modification
How much do you owe?
Gross income
monthly tax amount
monthly prop tax
HOA if you have one
net income listed in application
total expenses listed on application
Trust in the LORD with all your heart, And lean not on your own understanding; In all your ways acknowledge Him, And He shall direct your paths. (Proverbs 3:5-6 NKJV)
Expect Miracles,
Anna
Hello
Hello Adam-
Each person has inside a basic decency and goodness. If he listens to it and acts on it, he is giving a great deal of what it is the world needs most. It is not complicated but it takes courage. It takes courage for a person to listen to his own goodness and act on it.
- Pablo Casals
Expect Miracles,
Anna
I was told I can only appeal denial for hamp one time, and cannot reapply if denied is this true?
Hello Kathryn,
The HAMP guideline is that if your circumstances change you are eligible to reapply – Just put a brand new package together and mail the full package certified- who is your lender? i am here for you! Do not let them discourage you!! Fight ON!
Read these promises of God below
I will put you in charge of many things – Mat 25:21
Nothing will be impossible to you – Mat 17:20
I will restore health to you – Jere 30:17
I will lengthen your days – 1 Kings 3:14
I will give you rest – Mat 11:28
Surely I will bless you – Heb 6:14
If you believe, you will see the glory of God – John 11:40
Don’t you feel motivated?, Don’t you feel your sprit is filled with joy and happiness?
Expect Miracles,
Anna
Hello,
Can you please help me? I am a single mom with documented decrease in income that was approved for a temporary modification. The temporary mod. was supposed to last 3 months…I just completed my 5th payment, with all payments being on time, and I received a call 3/18/10 stating that I was denied for the permanent modification based on NPV. How could this be..I have validated proof of my income…no change in financial situation…decrease in income, etc. I do not have equity in my home, but I am only “upside down” approximately $6K. My current interest rate is 7.375. I was told that Freddie Mac could make more money on the long run by letting my home go into foreclosure and getting a higher interest rate than the 2% that my loan could potentially be reduced to. Can you PLEASE HELP ME??? What steps do I take to appeal..is there anyone that I can get in touch with to assist me? Thank you!n Amy Lee
Hello Amy,
I am sorry you are going thru all of this – I have written several articles on NPV that might be helpful to at least understand how it works- I will be happy to help you figure out your numbers.
How much do you owe
how much is your home worth ( http://www.eppraisal.com)
how much is your gross income
how much is your property insurance and property taxes
Who is your lender?
I will help you figure it out if you get me this info.
The LORD is my light and my salvation—
whom shall I fear?
The LORD is the stronghold of my life—
of whom shall I be afraid?
Expect ONLY miracles Amy they happen!!
Anna
Anna,
Is there any letter that you can help me with so I can send it to Wells Fargo to make sure that I am given a fair chance to be able to qualify for the HAMP even though my loan is not a government backed loan before any temporary modification is offered to me. I have been doing some research which indicates that if Wells Fargo is a listed participant for the HAMP, they are provided with incentives to help us qualify for the HAMP.
Just to update you, my processor called me up yesterday asking for my pay stubs for the month of January and February. She called me again this morning saying that if I don’t fax her the pay stubs that she will close my file. When I heard this, I was really upset because she was being unreasonable and basically told her off. After explaining to her that it might be difficult for me to get the pay stub since it is already a Friday, it is only fair to give me until Monday.
In addition, I can feel that she is starting to be abnoxious since I have been asking her a lot of questions about my entitlement to get reviewed for the HAMP. I have a feeling that they are purposely steering me away for HAMP eligibility. Anyway sorry to bother you with my story and have a great day.
Thank You again and God Bless you for all that you do for us.
Mani
Hello Mani,
I am sorry to hear that you feel you are not being treated fairly – I want you to call in the Holy Spirit and every call from now and – to be your strength and also to be the person on the other ends compassion to you. Ok where are you on the items they requested at Wells? Unfortunately even when I am doing the work on my end for customers – when the bank wants something they want it now. Please do not take it personal. Their workload is very very heavy and these people are trying to get through piles and piles of files. Then if someone is not very happy, which many people are not happy -they have bad days –
Go to this person that is helping you with the Holy Spirit in your heart – kindly request your update, now if you come from that place and you still feel that yo are not getting any help request an escalation. I know this isn’t easy, I know it is VERY frustrating we do this every day so I know exactly how you feel BUT it is in your best interest, especially healthwise as well as results wise to go at this from a different angle.
Tell me this did you physically apply for the HAMP on paper? if not then maybe that is what you should do – fill out the actual HAMP application and send that in. Like I mentioned in a previous email they may be participating in HAMP but it is not mandatory if it is not a Fannie Mae or Freddie Mac loan regardless of incentives. I still suggest you physically send in the HAMP application and this way they must tell you why you are denied if they deny you. There are other alternatives too and they are not half bad either, that is of course only if you exhaust your try for HAMP –
Call in the Holy Spirit
Call the negotiator – with lots of sugar! regardless of the attitude – send blessings to her (we never know what their life has going on)
Escalate to a manager – if necessary , more blessings
So get a new HAMP package in
send a complaint letter – I will post fax numbers for you tmrw – I have them on another computer but will get it for you tmrw
I am here for you every step of the way!! Let me know how it goes tmrw
Matthew 8:13 Jesus said to the centurion, “Go your way. Let it be done for you as you have Believed.” His servant was healed in that hour.
Expect ONLY Miracles,
Anna
Hi Anna,
A very impressive site to say the least.
I am now on the first month of a HAMP trial with Indymac, what do I expect in the next 2 months?
The gross income they used is a little inflated, how do I correct it?
Will they request another package by the third month of trial?
Your answers will be greatly appreciated.
Monty
Hi Monty,
Why thank you for the compliment, all Glory be to God. If you are in the first month of trial you can really just expect nothing really but to make your 2nd and 3rd payment – at the end of the 3rd payment – which many times takes about 2-3 more months because they are swamped you will then be requested to send in updated (current) income documentation. I have seen things get a little better over at Indymac – Onewest Bank within the last 2 weeks, so what I want you do do is to expect miracles! Depending on what the income is I would run some numbers to see where you end up… just to make sure you are in line with this :
http://www.askaloanmodguru.com/186/how-to-calculate-your-hamp-home-affordable-modification-program
I will instruct you and teach you in the way you should go; I will counsel you and watch over you – Psalm 32:8
Trust in the LORD with all your heart and lean not on your own understanding; in all your ways acknowledge him, and he will make your paths straight – Proverbs 3:5-6
Expect ONLY Miracles!
I am sorry to keep asking questions. But based on your last suggestion to just approach Wells Fargo with “good customer” etc.. and since our house is appraised more than the HAMP allowable amount of 729,750…
1) when I (a year ago almost) tried this they said i did not qualify because my debt to income was too high. About 2500 in the negative
2) I then a few months submitted again as I have reduced some of our debt, and then I got that we had 300 in excess each month.
3) is there a formula that your dti should be for consideration of any type of loan mod from the bank itself and not the hamp program
4) last question regarding hamp program. If your first is 729,750 and a second is 200 for a total of 929750 and your house is valued at say 950, would they say you have too much equity as are they only looking at the first?
Thanks!
Hello Mary – I am here for you! Ok but how much is your 1st loan? Is Your 1st loan under $729,750?
When you are dealing with HAMP it is more about gross income
when you are dealing with in house programs you are dealing with NET income usually and it is like this with Wells Fargo
Wells Fargo has an “AMP” program that does not consider NPV from what I am told by the Wells Fargo Executive team so there are options.
I have seen loans modification approvals with a $250 – $500 surplus after expenses on the current budget not the proposed budget –
I could definitely see you NOT getting an approval with a $2500 negative figure! Keep working on it keep going for it!!!
You have to keep in mind that the profit is really NOT dollar for dollar – its not based on just your loan amount but on the profit built in over the months of the term…, do you get what I mean?
They use a computer software program to figure it I just use my own humble logic and common sense to see ok this makes more sense if I was the investor this brings in more to the bottom line –
so when I am talking about
this topic I mean it more to be sure that if they have your value low from a BPO (broker price opinion, etc) you want that low because the lower they think they can get on the open market the lower your approved payment can be and still get them a higher return than the foreclosure can. Seek out and send them you own recent comparables to paint the doom and gloom picture for them if they do not help you.
This is the point I want to stress is that in a HAMP if they have lowered your rate to the floor 2% and stretched your term to the max 40 percent and they still cannot get to your 31% from your gross income then the next logical step in the HAMP waterfall is principal forbearance or forgiveness(not Likely, but starting to be looked at as announced by Obama) then the Bank will see if for example
they must cut the balance by $100,000 to get you to 400,000 to get your 31% payment you owe $500,000 it is worth 700,000 = probably NO Modification, and probably failed NPV
********BUT*********** IF They can get your 31% without cutting principal just from the rate reduction and term extension and that profits them more than the foreclosure over time along with the other factors listed in my article – then you may still be eligible. I hope I answered your question – I am here for you.
Be strong and courageous. Do not be afraid or terrified because of them, for the LORD your God goes with you; he will never leave you nor forsake you.”
Deuteronomy 31:6
Expect Miracles,
Anna Ceuvas
Hi. Thanks for the response. My loan now is 880. I have an equity line though for 215 (now 0 balance) and I was going to reduce my wells loan to 729 and take the remaining 151 and put it on my pac natl equity line. Then the way I figure it if they give me 2% over 40 years I will be right AT 31% gross income to the 729 loan amount (including taxes & ins). The question is my house is probably worth 950, so if wells only considers the 729 amount and not that i actually owe 880 on my loan, will they think it better just to foreclose since they could get 950 for it. but yet someone would have to pay off my second so that may not be the case. so i dont know what to do. all i know is we cant afford the current payment now which with taxes & ins is about 6K a month.
Hello Mary B,
I am just really not sure this will work, I just don’t know if they would see a real hardship if you plunked down the 151k into the 1st loan – I think you may be better off applying for a traditional in-house modification using NET income and expenses this usually does not have the 729500 restrictions on it. I am going to do some more research for you – I will report back.
“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? You are a child of God. Your playing small does not serve the world. There is nothing enlightened about shrinking so that other people won’t feel insecure around you. We are all meant to shine, as children do. We were born to make manifest the glory of God that is within us. It’s not just in some of us; it’s in everyone. And as we let our own light shine, we unconsciously give other people permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.” Marianne Williamson
Expect Miracles,
Anna Cuevas
I thought i had my situation under control but i guess i dont Bank of America just send me 3 letters one stating that for me to call them to see if they can work something out not to foreclose on my home (funny thing i just did a loan modification that gave me a new loan with a 5.5 percent and send in all paper work . what is that about with the first payment in ) the second letter is letting me stay in my home and writing in to hud .. and the third letter is with a new payment booklet with escrow being more than the new modification loan payment i really dont know what to do … I thought i had this resolved.. should i go directly to a bank and speak with a loan officer should i speak with a lawyer should i file bankruptcy what should i do cant sleep cant eat cant do any thing the bank just has me going around in circles. I have done everything they have asked me to do i just dont get it… Yes I hear we are hear to help you but all i seem to be getting is the run around and nothing seems to be getting resolved Help……………. I want to know what I can do … but where i can go directly even if i have to drive and speak with a head person face to face but just to get some one to hear my case . I am pretty sure others are willing to do the same.
Melissa, Take a deep breath, Call in the Holy Spirit – I will guide you – Many times it takes anywhere form 30-90 days for the modification to post – I have never had a case of not being able to resolve an issue like this – You will get through this – you will see – get some rest tonight
Give me a step by step with dates of exactly when you got the modification, its the permanent modification right? is it a HAMP ? and what they are saying when you call.
I’ve commanded you to be strong and brave. Don’t ever be afraid or discouraged! I am the Lord you God, and I will be there to help you wherever you go. Joshua 1:9
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru
Hello Anna,
I am hoping you can answer this for me. We were told almost a year ago that we did not qualify for for the loan modification program because we do not have the right type of loan. We have a contrywide loan which is now a bank of america loan and on our settlement statement under loan type it says: Conv. Unins. or conventional uninsured I believe that stands for. I thought all loans were insured and I am sure ours is also but I just do not understand this. Can you explain to me at all and is this the reason we can not recieve any help? I believe except for this we would qualify. Thank you for any information… Cyndi
Hello Cynthia,
Do you know if you applied BEFORE the HAMP Home Affordable loan modification program came out? If I were you I would reapply – back prior to this type of modification they were using every type of reason to disqualify people – a conventional loan is not insured by mortgage insurance (nothing to do with your insurance) it is in-house stuff that most homeowners are unaware of. Things have really changed in the last year and Bank of America/ Countrywide has some really good loan modifications coming out of there – do not be discouraged – are you currently behind? If you give me details I can offer my opinion.
God is our refuge and strength, A very present help in trouble. Therefore we will not fear, Even though the earth be removed, And though the mountains be carried into the midst of the sea; Though its waters roar and be troubled, Though the mountains shake with its swelling. (Psalms 46:1-3 NKJV)
Expect ONLY miracles
Anna Cuevas
Loan Mod Guru
Four weeks ago we were called and informed we do not qualify for a loan Mod. After reading your inspiring words I called Wells Fargo and explained that a review of our application was necessary as we felt we did qualify. I was polite and sympathetic to the cust service rep and asked that she go over our application on the phone to see if we had some discrepancies. We explained that our income had increased and were able to get the income side of our app. adjusted to fit the requirements of the loan Mod. We were also told that our house “appraised” for more than what we owed. I asked for the evidence to prove that. The customer service said she would follow up with our representative who had told us initially that we did not qualify. Eight days later we received a registered packet with the final papers congratulating us on being approved for a permanent loan modification!!!!! WOW Unbelievable! but we firmly believe that abundance is present and their for everyone! All that has transpired is truly remarkable and yet it happened! Our payment is now $1435/ mo ILO $2477 and we can now stay in our home!! Thank you Ann for everthing!!! Your positive affirmations and your belief in persistence works!!! Tom and Roxanne, St Augustine, Florida
Tom, I am so happy to hear the news!! Glory to God!
It really does work -
Miracles are all around us…
Expect them…..
Anna Cuevas
Loan Mod Guru
Anna,
I am scared and need advise. We were in the process of getting approved for a home loan modification with Citi since July 2009. I was just told this week that we were not approved and that we are being forclosed on. We are losing our home. They said that they are denying us because during the review period we missed one payment. From July 2009 to now I made 8 payments, one each month. I may have missed one and it looks like it was in August 2009. It’s very hard when you are trying to pay all the bills you can on 60% less household income and you don’t recieve a monthly statement from the mortgage co. Anyway, is there anything that we can do to be able to stay in our home? I know we can afford the monthly payment. Citi told me that “government rules” say that you can’t be late with a pament during the period. I read the program from the FDIC and it does not even mention that. WHAT SHOULD I DO NOW? I would appreciate anything you can do to advise. My home is all I have left.
Hi Dave,
Don’t be scared Dave, you are not alone, I am here for you. What state is your home in? Do you have a default notice already filed?
On your paperwork, when was your original 3 month trial payments? The program requires 3 months of trial payments. Not 8 so sept thru March was paid on time??
I would escalate a complaint to the executive office – first run thru the articles here and make sure your numbers all make sense
Hamp calculations
Then write your letter – detail what you have been thru with Citi Mortgage and address it too:
ATTENTION:
Mr. Sanjiv Das President CEO
Mr. Paul Ince CFO
Citigroup. Headquarters: 399 Park Ave. New York, NY 10043. Phone: 212-793-1994 call here and ask for the executive team – BE THE SQUEAKY WHEEL
CitiMortgage, Inc.
1000 Technology Dr. O’Fallon, MO 63368
When you cross deep rivers, I will be with you, and you won’t drown. When you walk through fire, you won’t be burned or scorched by the flames. Isaiah 43:2
Expect Miracles,
Anna Cuevas
Loan Mod Guru
First of all I would like to start off by saying Thank you, Thank you, Thank you, Our Precious Friend and Truly “Our Angel sent from Heaven”. Mere words are not enough to describe the extent of our Joy, Our Gratitude and unwavering Trust and Confidence in our Friend for life, “Anna Cuevas”. When I first contacted Anna, in February of this year, my husband and I had already been through 6 Loan Modification companies, 3 of which were Law firms. After several thousand’s of dollars paid to these companies to help us from losing our home, instead we were taken for granted and left out to dry, not even a courtesy phone call did we receive. We were over a year behind on our mortgage due to the neglect and false promises made by the companies we hired previously, and as we waited for answers and relief from them, we were only led down a long road filled with sleepless nights and endless days saturated in worry, and then finally we had lost all hope. Then I found Anna’s Website and read pratically everything people were saying about her and the compassion she had on those who found her. For those and the count are many, I did not read one negative word about her, but only the Positve Impact she had on those she answered questions for, and these individuals really had Complete trust in her, because, “She” is someone Worth Trusting.
Continued from Mario and Betty Roberts
Truly,
Anna Cuevas, won our trust and confidence in her abiity to save our home of 12 years, and that was after our first meeting. Their was something different about her and I knew she was going to be the one to help us, I remember telling my Husband, we have finally found the One who is going to help us, I just know it, I feel different and I am not affraid anymore for some strange reason, all of my fears and thoughts of hopelesness were gone. Praise ‘The Lord” for the Instruments He uses to help those in need. Our first meeting was in February 2010 and she told me to make one promise to her before I left her office, and I asked her what is that? and she said to get a good night sleep and not to worry anymore, that everything is going to work out and to only expect Miracles. You know I believed in her, and after a year of worry and sleepless nights, I went home and had one of the most peaceful nights sleep. I was not able to work or even funtion at work because I was too consumed with the paper work and everything else that goes with trying to find a way to save your home from foreclosure. I could not imagine or even fathom the thought of losing my home, but, Anna reassured me and made me feel a peace about everything. I can only tell you that Anna did exactly what she said she would do for us, and that is to get our loan Modification APPROVED!! We just received our Loan Modification in the mail just yesterday the 19th of April and to our surprise, she got it down even less than we thought originally. Our Payment before modification was $3,427.17 and that did not even include taxes and insurance, our payment was over $3,800 a month, Anna got our Loan Modified and now our new payment is $2,370.40 PITI that means, taxes and insurance are included. Noone ever helped us before Anna, noone cared to take the time she did, to sit down and talk with us and explain everything that was involved in the process, she really cares about people, and she really knows her stuff!!. Anyone, who is lead to her Website, is led for a reason and you need to know that “she” is the Answer you have been waiting for. Anna Cuevas, You are our “Angel sent from Heaven” and we want to let everyone know what you did for us and most of all what you taught us through this process and that is to Believe, Hope for, and Keep the Faith because Through You, Anna, Our Lord and Savior “Jesus Christ” creates Miracles. Thank you, Thank you, Thank you again, My Loyal and compassionate Friend for everything you did for me and my family, and may the Lord Bless you and everything you do in Great and in Multiplied Measure.
Psalm 1: 1-3
Blessed is the man who walks not in the counsil of the ungodly, nor stands in the path of sinners, nor sits in the seat of the scornful; but his delight is in the law of The Lord, and in His law he meditates day and night. He shall be like a tree planted by the rivers of water, that brings forth its fruit in its season, who’s leaf also shall not wither; and what ever he does shall prosper.
Never heard back from you….i need to know if M.h.a underwriters are in Florida?? I live in Vegas and M.h.a told me my underwriter is not for m.h.a ???
Hi Gina I did answer you yesterday under the post you posted on :About Anna Cuevas FREE Mortgage Loan Modification Assistance – How to Modify My Loan – I am sorry you did not get it.
Submitted on 2010/04/19 at 11:20pm
Hello Gina,
If I were you I would put together a good letter detailing all of the outrage you have been put through – but I want you to look at this like a blessing – only God knows why things have been delayed, I think he is working on a better deal for you. You will see God is amazing – I know you are tired and out of gas but I know that miracles happen on a daily basis. First make sure your numbers make sense – then
This is where you should send your letter:
Attn: Office of the President
Countrywide Mortgage
400 Countrywide Way SV-HRD
Simi Valley, CA 93065
PO Box 940070
Simi Valley, CA
93094-0070
I have had many many people go thru all kinds of similar things and come out winning in the end.
Call in the Holy Spirit to give you strength and I want you to put on your positive channel, also call in the Holy SPirit to Bank Of AMerica when you call them or write to them , you will see changes, believe – please watch this
Expect ONLY Miracles,
Anna Cuevas
Loan Mod Guru
Hi Anna
Its been a while but I am still struggling with Chase first they said I was denied because of NPV values when I sent in a letter requesting the values they refused to send it, now they are saying because of my income after a phone conversation I discovered they don’t even have all of my income. What can I do.
Elizabeth
Hi Elizabeth
With Chase what I would do is start with a fresh new package, make it look professional and nicely put together and reapply– take a deep breath I know its scary but you can fight this, call in the Holy Spirit to guide you- he is just waiting for you – put the correct income put a good package together here are the HAMP Application Forms and send it in to them – fax and overnight – verify that they got it! Stay on them. Do the numbers from my site to make sure you are in line.
Here are the calculations
Deuter 31:6 Where to find Courage
Be brave and strong! Don’t be afraid of the nations on the other side of the Jordan. The Lord your God will always be at your side, and he will never abandon you.
You can do this stay strong -
Expect ONLY miracles and they will happen,
Anna Cuevas
Loan Mod Guru
Anna
Thank you some times it just takes someone to calm the spirit down, I was advised to submit, an expense and income sheet from Chase web site because although they are giving me different reasons for denial, there is actaully no denial until I recieve it in writing. Today the story as changed I am still under review and my income and expenses were updated yesterday mmmmm, how is that if I just sent it to them today?
I also still have the certified reciept for the RESPA I sent to them seeking this information I thinking of going to court because if they are giving me the ran around now I can see them doing it with a new application?
Its just that I am in Texas ? the worse place in the world for the law to be on your side depends on the judge.
The fight goes on I am not giving up.
Hi Anna,
I have read a few of answers and you seem to be very helpful with others. Keep up the good work. I do have a question for you…..I have two mortgages on my home with two different banks. I was able to get the first loan modified with the first bank through the HAMP and I have not paid the 2nd mortgage in a year. The first loan modification was done in November of 2010. How do I go about getting the second mortgage modified? Even though it may seem to be a small amount, it is hard for me. The second payment is $249/month. Please help!
Thank you
Denise
Hi Denise. Thank you for your kindness. Congrats on getting your first loan modified Good work!!!!
What you need to do is contact your 2nd mortgage and tell them you want to apply for a 2MP HAMP Second. Then call your 1st and ask them when they are sending your file to the 2nd to apply for the 2MP – The first is actually supposed to automatically work with your 2nd company – (but you know how that goes) if you want it done you need to push on it -Make it happen you can do it!!
For the LORD your God is the one who goes with you to fight for you against your enemies to give you victory.” – Deuteronomy 20:4
Expect ONLY miracles,
Anna Cuevas
Loan Mod Guru
Hi Anna
So happy final obtained the name of the Underwriter had to call making home affordable they call three way and get this information right away I had been trying for a month wow. Any I made a copy of your Request for NPV line by line imputs and would like to request help with calutions Please
Home Value 220,968
amount left on loan 235, 223
default amount 25, 273
income 4,172
taxes per year 4,554
Insurance per year 3,233
HOA 600 per year
Please advise creating a new application right now.
Sincerly Elizabeth
Hi Elizabeth, Good job!!! keep going !!! – I answered your questions on another post- but I forgot to congratulate you!!
I love you, O LORD, my strength. The LORD is my rock, my fortress and my deliverer; my God is my rock, in whom I take refuge. He is my shield and the horn of my salvation, my stronghold. I call to the LORD, who is worthy of praise, and I am saved from my enemies – Psalm 18:1-
Expect miracles,
Anna Cuevas
Loan Mod Guru
Anna
Thank you so much you are a angel, I have increased my income to the 4,600 I rented out a room, so I am at the 4,600. Speaking to several representative I have learned that my expenses are a mess they have a computer that they run expenses according household numbers believe it or not I have now 4 renters however they ran my household for 4 individuals and food expenses alone come to 525.00 per month I could not eat 525.00 worth a food in 3 months and who ever pays for renters food?
I am resubmitting today will keep you posted in the mean time if they refuse to correct my values do you know a lawyer that could help me?
Elizabeth
Hi
Everyone let me tell you those prayer and mediation Anna sends use them, I have been on the phone with CHASE all day trying to get my NPV values and finally I got them so I now have my NPV values, and underwriter name.
The values they use for me are all wrong they charged me for expenses I do not even have along with less income than I do have. My question to Anna now is do I correct the values or re-apply ?
I would love to challenge the values but I don’t want them to try and take my home while I am fighting what should I do?
Elizabeth
Hi Elizabeth, The guideline makes them stop everything while you are fighting ( you just have to monitor dates and stay on it and request postponement of any action – escalate if you have to! Fight fight fight!!
4172 x31% = 1293.32 -
698.50 tax, ins, hoa = 594.82 max mortgage payment @ 2%, and 40 year term is not enough to cover the 235,223 it only covers 196k and if the value is 220k then that sounds more profitable then modifying your loan – I think you need to get closer to 4600 per month to break even with what you currently owe on your mortgage. Does anyone live with you that contributes 450 per month? rent a room possible? You are sooo close !!! You can do this! Fight fight fight!
See, the LORD your God has given you the land. Go up and take possession of it as the LORD, the God of your fathers, told you. Do not be afraid; do not be discouraged.” – Deuteronomy 1:21
Expect Miracles,
Anna Cuevas
Loan Mod Guru
Hi Anna,
Well Firday I had enough with Chase so I called their excutive Office and spoke with a women named Ms. Harriet Thatch, she assured me that I will be assigned to someone and that I would get the answers I need.
Today chase called with a number for me to call as I had been assigned to a porject manager that from here on out will be my contact with Chase. He and we stayed on the phone for an hour him telling me everything I need for a second look.
Now the only part of this I don’t understand is that its for a whole new modification meaning they are now telling me what happened before, my fear is what if I don’t qualify after all I don’t know what the guidelines are for I know Chase has a program that is similiar to HAMP.
Nonetheless I have done like you said and increased my income to 4,650 they have my expenses at 4,053.00, so this is so important like you said I am at the end now so I wanted to make sure I have the numbers right my tenants here are willing do whatever they can to help. God Bless them.
amount left on loan 235, 223
default amount 25, 273
Value 220,968 (not really sure what they have and their is no update since March
income 4,650 monthly
taxs 4,554 per year
insurance 2,357.00 per year
HOA 600.00 per year
I have not said or sent anything as of yet I am not going to make a move without you besides the new packet is not here yet.
Please advise
Elizabeth
An unexpected ending to the foreclosure on my home of 25 years.
After my fiance became disabled and lost his job I got very behind in my mortgage payments, my home of 25 years went into foreclosure. I applied for and was denied a loan modification thru my bank HSBC, they basically refused to work with me on repayment options. I emailed my congressman, various government agencies and organizations.
In order to delay the upcoming sale I filed chapter 7, at the hearing my attorney advised me that HSBC called him to say they were reinstating my loan and extending the length to cover what was past due. I almost fell off my chair, my lawyer who said it was the first time he had ever seen this happen was surprised as well.
By the time I had contacted Anna I was overwhelmed and defeated. Anna was supportive, understanding, knowledgeable and most importantly, an invaluable advocate.
Anna, thank you for all your support, you were correct in telling me not to give up!
Jo Ann
I need help. I was denied for loan mod. for the 2nd time both times i was told that Bank of America my investor does not do loan mod. The company that services my loan is America Home Home Mortgage . I am under so much stress right now and dont now what to do . So , what can i do now , what is my next step to fix my problem so i wont lose my house ?
Hello Robert
from this post:Submitted on 2010/04/30 at 3:50pm
I need help. I was denied for loan mod. for the 2nd time both times i was told that Bank of America my investor does not do loan mod. The company that services my loan is America Home Home Mortgage . I am under so much stress right now and dont now what to do . So , what can i do now , what is my next step to fix my problem so i wont lose my house ?
I would suggest that you escalate this to the Executive Office at Bank of America – detail everything that you have been through – did they say who your investor is??
Take a deep breath – things can change rapidly – and if God is with you WHO then can possibly be against you –
But the Helper, the Holy Spirit, whom the Father will send in My name, He will teach you all things, and bring to your remembrance all things that I said to you. Peace I leave with you, My peace I give to you; not as the world gives do I give to you. Let not your heart be troubled, neither let it be afraid. (John 14:26-27 NKJV)
Expect Miracles,
Anna Cuevas
Loan Mod Guru
I would like the template for writing an appeal letter to HOMEQ due to HAMP denial. Servicer has never sent anything in writing to state reasons why. Foreclosure Settlement Conference May 24th want to have letter mailed out
over the weekend.
Can you please help me figure my numbers for submission in my appeal letter. What do you need from me. Please note my sister and I own the home she does not live in the home. Do I combine her income with mine. I have been doing the modification only on my income. Needs clarity on this.
Hello Jackie,
Of course I can help you but I need all of the figures and details –
Now this is the confidence that we have in Him, that if we ask anything according to His will, He hears us. And if we know that He hears us, whatever we ask, we know that we have the petitions that we have asked of Him. (1 John 5:14-15 NKJV)
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru
Anna ~ I came upon your website this night as today I recieved a letter stating I was denied for the HAMP program due to the NPV. I am having a hard time holding back the tears for a couple of reasons. One, the uplifting scriptures you provide are exactly what I am in need of at this very moment. I am a spirit filled believer and have been researching all night to better educate myself regarding my options. Anna, last year I was laid off from work, 5 days prior to my last day on the job, my wife of 13 years and mother of my 4 children was diagnosed with cancer. She has undergone multiple surgeries and chemotherapy. Now I know God has shown my family great favor through this storm. I have personally experienced miracles, and seen his amazing grace manifest in every area of my life. Present day finds my wife recovering and back on her feet, she is self employed as a accountant. However, I was the bread winner and now only collect umemployment. I have also started a home health company but have yet to earn any income (last week I was awarded my state license). I fully trust God, I just need a comprehensive step by step approach on what to do next. Last year I began working with a 3rd party to help me with the modification process, and continue to speak with them. Saxon is the mortage company I am dealing with. Please just pour all your knowledge into this for me. Please help.
Oh Adams…..God is so crafty – I JUST LOVE HIM!!! I also had cancer, ovarian cancer diagnosed last mothers day 2009 – in remission. I have a new sense about what life is really about and I just run in the flow of what he wants me to do, that is how this site was born. I am a mother of 5. Coincidence, maybe, but I don’t think so!!!
God has big plans for us all and I think he is moving you to great new heights that you may have not moved into had all those other things not happened, and people are waiting for you to show up in your new endeavor, people need you!!!! Because you are a Miracle –
You need to get out all of the details of your loan and figure out why your were denied, I know it seems like the end of the road but its NOT – you can do this and accept the time you have been given as a gift, a gift to be able to get your ART out to the world. I would like for you to watch my favorite The Strangest Secret by Earl Nightingale – tell me what you think, I LOVE IT!
I am here for you. Get your details together and post them so that together we help others calculate too! You can do this, fix the issues and resubmit, you can get it done.Declined for NPV guidelines CALCULATING NPV There are a few other articles I wrote on the subject, if you have questions, please let me know, come back – I will continue to help you.
- if you are interested my new system calculates it all as well on THE LOAN MOD GURU
“Ask, and it will be given to you; seek, and you will find; knock, and it will be opened to you. For everyone who asks receives, and he who seeks finds, and to him who knocks it will be opened. (Matthew 7:7-8 NKJV)
EXPECT ONLY MIRACLES,
ANNA CUEVAS
The Loan Mod Guru
Hello, Anna!
After 10 months and many false starts/dead ends we finally received a modification letter from GMAC just this afternoon. However, GMAC’s offer relects something that just boggles the mind; putting escrow aside for a moment, our modified Payment of Principal & interest reflects relief of $5.10/per month only….hardly enough for a happy meal.
I called GMAC’s loss mitigation dept immediatly and was told that they were not required to reduce my payment to 31% of GI and that this “new” payment (at 41% of GI) is sufficient.
What am I missing?
Thanks in advance for any insight here, cause I’m just stumped.
Hello Dathi!!!
I don’t think they gave you a HAMP loan modification did they? Because for HAMP they do need to go to 31% but for anything else they are not bound to the HAMP guideline. I don’t know what type of loan you had but sometimes lets say someone with an interest only loan or a negative amortization loan that have really low payments many times on the conventional or in-house traditional modifications the payment can go up – or sometimes if they added the tax and insurance on to the loan where it was not included before – I would have to have more details to tell you for sure what is going on.
Ask to speak with the CEO David Applegate.
Name: GMAC Mortgage Corporation, Corporate Offices
Street: 100 Witmer Road
Horsham, pa 19044-2211
Phone: (215) 682-1000
Can you find out what you got and why – are you currently behind? if it is NOT a HAMP and you accept it you are still able to reapply for HAMP if your investor participates in HAMP and all of the foreclosure action will at least stop. Hopefully this will give you some info – let me know if you have other questions. I am here for you!!
Now this is the confidence that we have in Him, that if we ask anything according to His will, He hears us. And if we know that He hears us, whatever we ask, we know that we have the petitions that we have asked of Him. (1 John 5:14-15 NKJV)
Expect Miracles,
Anna Cuevas
TheLoanModGuru.com
Anna: Your support and suggestions have helped us receive a loan modification agreement with Wells Fargo Home Mortgage. Our loan is an FHA loan. It is our 2nd loan mod letter, as the first one was rejected due to “incorrect calculations” (their explanation). The current loan modification was received only after contacting Wells Fargo’s presidential office (your suggestion) and explaining the inconsistencies and failed attempts to get information about our loan that were repeatedly met with no results. We returned the current loan mod agreement along with a check for all late fees and recoverable expenses. We sent the late fee payment with the signed agreement so as not to slow down our modification yet we questioned why the late fees were not being waived. We have since received a letter saying the late fees are in fact being waived (the only difference in the 1st “rejected” modification and the current modification was that we had to pay the $2300+ in late fees, now that very calculation is being waived….so frustrating). Wells Fargo has yet to explain where the $2300+ that we paid will actually go. The Office of the President informed us it would go toward principal. The person we are dealing directly with in the presidential office suddenly tells us to call loss and mitigation to get details, as if he no longer wants to help. That department tells us we are in “phase 2″ of the modification, they can’t explain were the fees will go and they cannot say how long it will be until we finally have papers in our hands saying our loan is modified. Is there a timeframe we should expect Wells Fargo to work within since they now have sent us two modification letters, we have signed them and returned the $$ they requested (even though now they send a letter saying the fees are waived????) It is so upsetting. We feel like we are close to having finalizations then we go right back to being told call the loss and mitigation (call center) and we are practically starting all over. I don’t understand why the presidential office isn’t seeing our modification through to its end. Yesterday I phoned loss and mitigation for an update and they asked if we ever returned our agreement! Oh my, we returned it weeks and were told at that time by (Matthew Turk) the Office of the President of WF we could have papers in a few weeks. That time is now and we don’t have papers or any idea when we may receive a final answer. When we phone him; he says to call the loss and litigation department. I am scared they are not going to finalize our modification. Is there something else I should be doing to get that final paper work saying YES our loan is modified? The presidential office seemed “helpful” until they received our late fees and now they are turning us loose to the call centers again. Please tell me what you think of this. I am so grateful for your input.
Peggy: All Glory be to God that you got that far!! What you need to do now is put everything that is happening now onto a letter
Just detail what has happened and that you want the payment you sent credited to the actual monthly payments you need to make. Detail the lack of communication and how you are feeling about your current treatment – or in all fairness you could address it to Matthew Turk and ask him to escalate it for you because this is how you are feeling after you were thrilled with his help you are left feeling just as helpless as before in a time when you should be happy with the approval. Say a little prayer to the Holy Spirit before you write the letter – for you and for him. I am sure he will help you, remember their workload is HUGE – I would start there – Let us know how this goes -I am sure you have his fax number right? Then if not move to the next step and send it to the Written Department 866-278-1179 to escalate again to the Executive Team – after you get the letter to him first to give him an opportunity to make your customer experience right again.
Now this is the confidence that we have in Him, that if we ask anything according to His will, He hears us. And if we know that He hears us, whatever we ask, we know that we have the petitions that we have asked of Him. (1 John 5:14-15 NKJV)
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru
Hi Anna:
Thanks for your response. As i’ve mentioned in my previous email, we had been fighting with CHASE for almost 2 years now on our Loan Modification. Last year, we were approved for a Trial Modification of $2,495 for 3 months. We made payments and after that they denied our application and scheduled a trustees sale in Mar 10, 2010. We re-submit and all new documentation, was able to move the sale date and waited for another 4 months till I got a call from the HAMP/Executive office of Chase that our request is denied.
Few days later, we received a FEDEX from Chase Home Finance giving us another trial payemtnof 3 months of $2,780.35 which is rediculously higher figure that the last trial amount.
How can I start reqeusting for them to re-calculate in order for us to get a better deal than this. I am afraid that if we start paying, then later on they will deny it again, we would end up hanging in the air and this is so stressful. I am confused what is going on. They say we were denied, then next approved for trial.
Out first payment for this new Trial period is on Juny 1st and before that we really need to do something because they might forclose our property.
Thanks again and God Bless
Hi Amabel:
I am sorry you are going through all of this, it is pretty normal for Chase – I need to know the details of your gross income, of your value, of your balance – monthly property taxes and insurance to be able to tell you more or less what the issues are – did they offer you the HAMP or? The good news is that 2 years ago there was no HAMP and there was no Chase CHAMP so your modification would have even been worse! Remember that God is amazing and he is working on something for you – it takes a little time and patience and persistence sometimes. Lets start with your details and we can go from there.
Our Greatest Fear —Marianne Williamson
it is our light not our darkness that most frightens us
Our deepest fear is not that we are inadequate.
Our deepest fear is that we are powerful beyond measure.
It is our light not our darkness that most frightens us.
We ask ourselves, who am I to be brilliant, gorgeous,
talented and fabulous?
Actually, who are you not to be?
You are a child of God.
Your playing small does not serve the world.
There’s nothing enlightened about shrinking so that other
people won’t feel insecure around you.
We were born to make manifest the glory of
God that is within us.
It’s not just in some of us; it’s in everyone.
And as we let our own light shine,
we unconsciously give other people
permission to do the same.
As we are liberated from our own fear,
Our presence automatically liberates others.
—Marianne Williamson
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru
Dear Anna:
Thanks again for your response. Here’s the information you requested.
Original Home Value $695k
Present Value $400k
Balance $565 First
Property Tax $680/month
Insurance $55/month
Gross Income $9000/month
The offer did not say if it is a HAMP.
I am really stressed thinking about the upcoming payment in July.
Please let me know what to do to renegotiate this payment to a lower amount.
Thanks.
Dear Amabel, sorry your post was lost in here. I just found it.
This is the reason your payment is what it is:
9000 gross income x 31% = $2790.00 There is no way your payment would be lower than this because this is the 31% – minus 680 tax, and 55 insurance= 2055.00 is the actual mortgage payment which puts your interest right about 2% based off of the 565,000 first loan balance which is the lowest rate you can get on the HAMP – and approximately 31 years amortization not counting the amount you are behind –
Is your income less than 9000 gross per month? that would be the ONLY way to lower the payment any more. When is your sale date?
You said your 1st trial payment is due on July 1? unless your income is lower than 9000.00 you would need to make the trial payments because that is what it is supposed to be at 31%.
I am here right now if you have another question.
Matthew 21:22 and all — as much as ye may ask in the prayer, believing, ye shall receive.’
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru
Hi Ana:
Hi Anna:
Please see Addtional info below:
Just checked the current price and its $377k.
Owing $42,812.39 to bring the loan current.
Customer Service from Chase Laon Mitigation Department can’t give me information as to who is the investor of our Loan. Stated we were not approved for the Obama Program, but whem I asked for the reason, she can’t give me any information.
Did not receive any written denial confirmation of OBAMA Plan.
They just also said that our file is being handled by the Imminent Default Department. Why are they going back and forth to these departments?
I really need your help. I don’t want them to just forclose on our property. They said they could just go forward to foclosure if we don’t pay this trial modification on time. We cannot afford this monthly payment. We really need a lower amount.
Thanks for your patience.
God Bless!
Hi Amabel,
Is there other debt that you can try to get rid of? The plan they put you on sounds very close to the Obama plan and may be the CHAMP in-house look alike program that Chase has, they do need to tell you if you were declined for HAMP but like I said you are being offered a look alike based off of the numbers you sent me. I would not worry too much about the departments this is a large bank and they only do certain things under certain perimeters in each department. We need to worry more about whether or not 9000 is your current gross income and if not then you need to let them know that you need to resubmit for HAMP -
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru
Dear Anna:
Thanks for your responses. Sorry for being impatient sometimes but I am just eager to hear from you.
Just hang up the phone with a Customer Service from Chase’s Loan Mitigation Department and told them about the gross income being the wrong amount.
He instructed me to send back the letter they send us for the trial modification and should include a letter from us asking for rework. He wants me to submit a whole new packet agin.
Before doing anything, I just want your opinion on this. Our Monthly Gross is $7,405k not considering all the Medical, Dental, Vision, 401K, & Cafeteria Plan being deducted friom that Gross amount. Plus we have bills like 2 car payments, utilities, etc.
Please guide me to the right process. How could I ask for a principal reduction since our house is not worth $690,000k anymore.
Thanks again.
God Bless.
Dear Amabel, I have not seen any principal reductions coming out of Chase. Principal reductions are such a small percentage of the population, I hope this changes soon there are so many people upside down with their value. For the HAMP program all of your other expenses are not used to calculate your payment ONLY gross income x 31% = max payment including property taxes, homeowners insurance and HOA if you have it. 7405 x 31% = 2295.55 – prop tax, insurance, hoa = actual mtg payments. Here is more information on How HAMP Calculations work for the HAMP Guidelines
“Ask, and it will be given to you; seek, and you will find; knock, and it will be opened to you. For everyone who asks receives, and he who seeks finds, and to him who knocks it will be opened.”
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru – HAMP fully calculated loan modification packages available here
Dear Anna:
Hello again. Thanks for the response. So, should I request for re-consideration for HAMP since our income is lower than the figure they used?
Thanks.
Hello Amabel,
Yes, definitely request reconsideration – I would send in an updated application with the income documents, to make sure they got it! Please let us know your progress, I am here for you!!!
Now this is the confidence that we have in Him, that if we ask anything according to His will, He hears us. And if we know that He hears us, whatever we ask, we know that we have the petitions that we have asked of Him. (1 John 5:14-15 NKJV)
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru – Breaking News “I am pleased to announce the launch of The Loan Mod Guru website” – A Professional, full service site to help you create and complete a successful HAMP submission.
Click here to learn more
Dear Anna:
We have about $9,000k in our savings for future emergencies. Will this affect our request for reconsideration? Is it better to have some money in the bank or just enough or even negative?
Thanks.
Dear Anna:
Sorry for being unpatient again but I am really running out of time. I need to send the package CHASE by next week, and I want to make sure I do it the right way.
I have two questions:
We have about $9,000k in our savings for future emergencies. Will this affect our request for reconsideration? Is it better to have some money in the bank or just enough or even negative?
Our Gross Monthly Income less our Monthly Household Expenses & Debts is
-$210.14. Is this a good thing or a bad thing.
I hope I will get your response by early next week so I could get this going.
Thanks a lot for your patience and willingness to share your expertise. I’ve learned a lot from your site and you are really and Angel.
God Bless.
Hello Amabel,
Ok 9k in savings is not a good thing for the lender. Just enough is better.
on the 210.14 negative is ok for HAMP but if they have to move you to a traditional modification. I always try to get my clients to cut their household expenses as much as possible to remain slightly positive to be in a sweet spot.
I am so glad you have become empowered and are determined to fight and succeed. You can do it.
“Trust in the LORD with all thine heart; and lean not unto thine own understanding. In all thy ways acknowledge him, and he shall direct thy paths.” – Proverbs 3:5-6 KJV
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru – Breaking News “I am pleased to announce the launch of The Loan Mod Guru website” – A Professional, full service site to help you create and complete a successful HAMP submission.
Dear Anna:
Thanks again for your advice. Our saving is tied up with our checking account for overdraft protection. We only have one Bank account. Should I withdraw the $9,000? I am concerned that they will see in the statement about the huge withdrawal.
What can you suggest for me to do? Another question is should I make a little positive on the total of expenses?
Thanks.
Dear Amabel:
I cannot really tell you to remove the $9000 from your account, they weill be able to see the withdrawl I believe, I can tell you that it is not a good idea to have $9000 in an account but I cannot offer advice on what to do with that issue. How soon do you have to reapply? Maybe have another account?
a little positive of no more than 250 is a good number, it should not matter for HAMP too much.
I am the Lord your God. I am holding your hand, so don’t be afraid. I am here to help you. Isaiah 41:13
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru – Breaking News “I am pleased to announce the launch of The Loan Mod Guru website” – A Professional, full service site to help you create and complete a successful HAMP submission.
Hi Anna:
I am worried that you are not responding to my post. I hope you’re ok and everything is well. I am really so anxious to know what you think I should do since that payment date is fast approaching.
Sorry for being impatient but I know you understand.
Thanks again.
Hi Anna,
SUCCESS!!!!!!!!!!!! I just qualified for the HAMP thru CitiMortgage!!!!! Words cannot express my love and gratitude for you! I started to cry when the Executive Response executive gave me the news. My new payment is half my previous payment! You have played a huge part in changing the quality of my life. I can’t believe all your advice was for free. You are an angel. If you’d like me to outline my 10 month HAMP process for others on your website to pay it forward, please let me know.
I encourage anyone reading this post and feeling in despair to email you for help. It’s truly unheard of that you offer this advice free of charge. I don’t know how you can truly prove this unless someone just emails you and gives it a try. You really are a God-fearing woman and doing his work is your only motivation. I feel so fortunate to have stumbled across your website. Even after I got 5 certified letters saying my house was going to foreclosure…you gave me the courage to fight, fight, fight! THANK YOU my friend.
Warmest regards,
AP
AP OMG All glory be to God! I am sooooo excited I cannot even type! I am so so so excited to hear this GREAT news. Be sure to spend some time with God and in gratitude for his amazing Glory.
AP I would love for you to write a little article for us to post about your journey of hope and inspiration. I am sure that you can see now what the lessons were along the way, and I bet you are a stronger person today. God has used you as an instrument of hope for others AP lets seize the opportunity for others to know that they too can believe and fight, fight, fight and WIN WIN WIN!!
My congratulations and gratitude to you for posting your wonderful success story.
Hi Jane,
All glory be to God! With Indymac keep fighting fighting fighting, know your numbers inside and out and you can win this fight.
Thank you for the nice thank you
I don’t have enough info to give you an overview but:
5114 x 31% = $1585.34 is the max total payment including property taxes and homeowners insurance.
I would need to have property value, mortgage balance and monthly prop tax and insurance amounts to be able to assist you correctly.
Mark 9:23 Jesus said to him, “If you can Believe, all things are possible to him who Believes
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru – Breaking News “I am pleased to announce the launch of The Loan Mod Guru website” – A Professional, full service site to help you create and complete a successful HAMP submission.
Anna, I just returned from vacation and will type up the 1-2-3 of how I finally qualified for the HAMP. There were a lot of tips you showed me that made all the difference. I will post soon. You are such a gift from God to me and my family. Our mortgage payment changed from about $3K (interest only) to just under $1K (interest & principal). WOW! It just takes faith and the courage to fight, fight, fight. God bless my friend.
Hi Anna,
I want to first thank you for using your gifts and talents in supporting so many and uplifting us with scripture!
I recently applied for a loan modification and wish now I read all your articles before doing so…they are so informative. However, I’ve already began the process and hope you can give me some insight on what you think my chances are. Here we go:
Our gross is $5114
Net$3588
Bills (credit, utilities, etc..)$2000
Current Mortgage $3072 (not including property tax)
I feel like our debt to income ratio is pretty high. If you can please let me know what you think. We are ready to fight the good fight. BTW: My lender is IndyMac.
Thanks again!
Jane
Hi Jane,
All glory be to God! With Indymac keep fighting fighting fighting, know your numbers inside and out and you can win this fight.
Thank you for the nice thank you
I don’t have enough info to give you an overview but:
5114 x 31% = $1585.34 is the max total payment including property taxes and homeowners insurance.
I would need to have property value, mortgage balance and monthly prop tax and insurance amounts to be able to assist you correctly.
Mark 9:23 Jesus said to him, “If you can Believe, all things are possible to him who Believes
Expect ONLY Miracles,
Anna Cuevas
The Loan Mod Guru – Breaking News “I am pleased to announce the launch of The Loan Mod Guru website” – A Professional, full service site to help you create and complete a successful HAMP submission.
Thank you Anna! Once again the scripture you replied with is uplifting and reminds me of His promises and all He can do when we think it is impossible. Here is the info you asked for:
Current property value: $397,000 it was $500,000 when we purchased
Property tax $4300 yearly
Insurance $94 monthly
Mortgage balance$499,999
Hope this info helps. Thanks again!
Jane
Thank you Anna! Once again the scripture you replied with is uplifting and reminds me of His promises and all He can do when we think it is impossible. Here is the info you asked for:
Current property value: $397,000 it was $500,000 when we purchased
Property tax $4300 yearly
Insurance $94 monthly
Mortgage balance$499,999
Hope this info helps. Thanks again!
Jane
I’ve been at my HAMP loan mod app with Wells Fargo (freddie mac investor) for over a year. I had a forbearance and now am making a new attempt with a new dedicated rep and direct access to negotiator. the negotiator just started reviewing my files and now, i wait for her to contact me.
is it worthwhile to insist on an in-person meeting and try to find an attorney to accompany me? i heard it is required that an applicant can have an in-person if needed. i had no luck with any of the HOPE NOW counselors, they didn’t further my case last time around so i’m in it on my own. I want to be at the best advantage this time around, too much at stake.
thank you.
What a great website! You are doing such a great job helping people!
I agree with Ann. Very informative!
Hi Ana,
I love your website.
I need your help with a loan modification.
We are in foreclosure since 7/24/2010 and are eight payments behind.
I applied for the HAMP program in 3/2010 when we were just 2 months behind and they went ahead and put me in an in house modification program. This program is based on net income and we were turned down for insufficent income after 6 months. In the interim I asked why I was not considered for HAMP and they said to reapply.
I am getting ready to send package and I wanted to run my numbers by you.
We filed BK13 last 9/09 and are currently making BK payments.
Mortgage Co- PNC Mortgage
Freddie Mac Loan
Loan amount- $345K first
HELOC- $48K
Market Value $230K
Current p+I payment- $2303
Ins- 215
Prop Taxes $210
Gross Income- $5400
Net Income- $4500
Expenses- $2500
Do we qualify based on these figures. What happens in regards to BK13 status and what about the ELOC that is supposed to be stripped with BK 13?
God Bless You and I hope you can give us some advice
Luis
Hello Luis,
Thank you for the nice compliment on the site – I am glad you are here!!
You are pretty close – I see that for the 2% floor rate and 40 year max term extension you are about 250.00 per month short on income – but since it is Freddie Mac if they agree to forebear a little bit of principal you are right their. The guideline states they can do this but …. it is up to them to agree. Again, you look pretty good and the other payments do not really count for the HAMP loan modification.
I hope this helps you!!
Mark 11:24 Therefore I tell you, all things whatever you pray and ask for, Believe that you have received them, and you shall have them.
Expect ONLY Miracles!…..and question authority!!!!
Anna Cuevas
The Loan Mod Guru – Breaking News, You asked for it, you got it. Due to the numerous requests for more assistance, “I am pleased to announce the launch of The Loan Mod Guru website” – A Professional, full service site to help you create and complete a successful HAMP submission.
I am seeking assistance to help me apply for the HAMP and was told it would cost me $1500.00. I was also told that I could prepare it myself but if I was denied I had to wait 6 months to reapply. I am not in a position to pay $1500.00 for this service and in reviewing your site it seems that the process is not difficult just timely it that a fair assessment? Please advise
omg, Anna,
I was approved in May for a loan mod, and now one west bank is trying to foreclose on nov 2nd
Help
Hi J,
Ok take a deep breath -You can do this! I will guide you.. Are you on a trial only? Have you made all of your payments?
Ok do you know if you qualify for sure for HAMP — have you read the articles on this site and gone over your numbers forward and backwards?? This is important so you know where you stand – then I want you to call in and tell them that you want to make sure they have requested a postponement of your foreclosure sale date. Take names, department, time and if you have to escalate it to a manager.
Next, if you are not getting anywhere then you should to also write a letter and on the top in big RED LETTERS write Please Postpone Novemember 2, 2010 sale date I am currently in a loan modification. Next send the letter overnight to One West Bank, Sheila Bair at the FDIC your congress person, your attorney general, HUD, HOPE, Treasury, the Whitehouse everyone you can think of! i am not an attorney and I do not give legal advice but in my opinion this is what you should do. Please let me know what happens.
O Holy Spirit of God, abide with us; inspire all our thoughts; pervade our imaginations; suggest all our decisions; order all our doings. Be with us in our silence and in our speech, in our haste and in our leisure, in company and in solitude, in the freshness of the morning and in the weariness of the evening; and give us grace at all times humbly to rejoice in Thy mysterious companionship.
John Baillie
Expect ONLY Miracles – To think for yourself you must QUESTION AUTHORITY! LISTEN TO HOW HARRY LOVED THE LOAN MOD GURU SYSTEM
Anna Cuevas
The Loan Mod Guru – Breaking News “I am pleased to announce the launch of The Loan Mod Guru website” – A Professional, full service site to help you create and complete a successful HAMP submission. TAKE THE GUESSWORK OUT OF THE HAMP PROGRAM!!!
Anna-Please, Please help! We have been in Wachovia nightmare for over 20 months now and 2nd loan has sent us a foreclosure notice we are running out of time and I can’t seem to get a straight answer from the bank. To make a long story short is they have recently sent us another HAMP denial letter due to Neg NPV value.
Monthly Gross: $ 11,974.07
Borrower’s total obligation: $ 6,166.01 ( Not sure how they got this value as we have no other debts. What should be included in this line? The last HAMP they only $758 so something is off)
Unpaid Balance: $ 638,531.42
Interest rate: 5.59% ( we have and adjustable that re-sets every month)
Months Delinquent: 19 months
Principal and Interest Payment: $ 4,320.03
Monthly Insurance: 59.75
Real Estate Taxes: 1,011.23
Borrower FICO: 655
Co-Borrower FICO: 655
Zip: 94583
State: CA
Please let me know what you think and if we have a chance. We don’t want to loose our home.
Hi Maria,
I am so sorry to hear about all of your problems with Wachovia – Is the income on the negative NPV the same income you submitted to the lender?
What is the property value on the NPV sheet?
Failure is success if we learn from it.
Malcolm Forbes
Expect ONLY Miracles and Question Authority,
Anna Cuevas
The Loan Mod Guru
Hello Anna,
I have been so strengthened by your words of encouragement. I have visited a lot of sites, but never one, such as yours.
Short Summary:
Trying to get loan modified since 2008. Countrywide/BofA claims we never sent in all paperwork. We went through a hud counselor, they submitted all paperwork and I sent in our copies as well. Last week I emailed the CEO of B of A, and also requested assistance from my Senator. Since my senator has been involved, B of A has started calling to harass and initmidate us about never being late, and always current. My husband was laid off October 2009, and has not found a job. We have a rental property that pays for our ARM loan on the property. Do you think we qualify? I know all things are possible with God. They are asking us to submit a lease agreement for rental property, signed w-4′s and Schedule E for their review. Can you provide the waterfall or calculator that is used for HAMP? Thank you!
Hello Ki,
I am so glad that you have found strength on these pages, knowing this makes this so worthwhile to me. Ki stay on it and keep fighting back. its hard to guess if you qualify. Read the articles about how to work the numbers, this should give you a good indication of what the bank will see – and if you still need help to figure out what the bank will see I offer a low cost Do It Yourself system The Loan Mod Guru which helps you see the numbers the bank sees – the HAMP calculator is here.
I hope this helps. Continue to pray as I will for your success. Please let me know how it goes.
Achievement seems to be connected with action. Successful men and women keep moving. They make mistakes, but they don’t quit.
Conrad Hilton
Expect ONLY Miracles and question authority,
Anna Cuevas
The Loan Mod Guru
Hello Anna,
I have been so strengthened by your words of encouragement. I have visited a lot of sites, but never one, such as yours.
Short Summary:
Trying to get loan modified since 2008. Countrywide/BofA claims we never sent in all paperwork. We went through a hud counselor, they submitted all paperwork and I sent in our copies as well. January 2011 I emailed the CEO of B of A, and also requested assistance from my Senator. Since my senator has been involved, B of A has started calling to harass and initmidate us about never being late, and always current. We have now been told that all of our paperwork has been received. My husband was laid off October 2009, and has not found a job. We have a rental property that pays for our ARM loan on the rental property. Do you think we qualify? I know all things are possible with God. I pray steadfastly that we are given a permanent loan modification, under the unemployment program, or any other program
Hello Ki,
I am so glad that you have found strength on these pages, knowing this makes this so worthwhile to me. Ki stay on it and keep fighting back. its hard to guess if you qualify. Read the articles about how to work the numbers, this should give you a good indication of what the bank will see – and if you still need help to figure out what the bank will see I offer a low cost Do It Yourself system The Loan Mod Guru which helps you see the numbers the bank sees – the HAMP calculator is here. Don’t let them harrass you or let you feel intimidated, they do not have that kind of power. Stay strong.
I hope this helps. Continue to pray as I will for your success. Please let me know how it goes.
Achievement seems to be connected with action. Successful men and women keep moving. They make mistakes, but they don’t quit.
Conrad Hilton
Expect ONLY Miracles and question authority,
Anna Cuevas
The Loan Mod Guru
Dear Anna,
I cannot tell you what your words of wisdom have done for me during these trying times. I will be most grateful for your advice. We have been denied due to: unable to create an affordable payment equal to 31% of our reported monthly gross income. Our numbers are as follows:
Gross Income – 4966.00
Total Principal Balance – 369,000
Total Loan balance fees/arrears – 54,000 (not sure may be more)
Property Taxes – 433 per month
Homeowners Insurance – 148 per month
Flood Insurance – 38 per month
HOA – 108 per month
Freddie Mac is the owner of our mortgage
Home is worth – 256,000
I plan on reapplying and will not give up – GOD is my rock! Should I rent a room to show more income? Will this help? What is your advice?
Hello there,
In reference to NPV what is the property value has to be at. A friends loan mod with BOA was denied because of NPV. What I dont understand is what the property value has to be at. Does the home have to be under water? Does the home owner have to be behind with their mortgage? What is the secret? Please advise.
Words cannot describe what Anna Cuevas did for me and my situation! I like many good Americans was a casualty of the recession which hit the good ole USA in 2008. I was a mortgage loan officer for a bank who always paid his bills on time. Then when the roof caved in and I did not get a paycheck for 6 months even though I was still working. All of the mortgages that I was working on collapsed as all of my customers were feeling the results of our economy! All of my hard work went down the tubes and their was no compensation and my situation just spiraled downward! I contacted my lender relentlessly trying to modify my mortgage! There was plenty of grandstanding by the government stating that everyone would be taken care of, but I can’t tell you the roadblocks I ran into! I was confident with my expertise in the mortgage industry that I could rectify my situation and lord knows I gave it everything I had, but I was swimming up stream and going under fast with foreclosure breathing down my neck. I had a good feeling about Anna and her claims that she could help me!
Anna Cuevas was better than advertised! She was genuine, knowledgeable and willing to listen and advise me on my situation with confidence and concern which was very much welcome after getting my fanny kicked for two years. After pulling the trigger and putting my fate in her hands the results were astounding and quick!. Her format and contact information for my lender was dead on! I got a response in no time and before you knew it I was offered a loan modification! The cost for this service was well worth it and to be honest I would have paid double! My gut told me that Anna was different! Her sincerity was unique and genuine and when she says she enjoys helping people this is from her heart and I can tell you first hand that there is no hidden agenda here! If you need help then stop worrying and pull the trigger and thank your lucky stars that you have found Anna Cuevas. Good luck! Jim N. Red Bank, NJ
Hello Anna, Ive been riding the IndyMac Train to nowhere for some time now. I was wondering if you had a signature of Kelley Cooper Spencer IMB VP.??? and if so, could you send it to me? Thanks and bless you for being in this fight…..its just unbelievable what this country has done to its people…….tks again ….T:)
Hello Tim,
I am sorry you have gone through such a hard time over at Indymac – One West Bank – Kelly Cooper Spencer is no longer at One West – Indymac Bank Loss Mitigation.
What kind of issues are you having?
“Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.”
Expect ONLY Miracles and question authority,
Anna Cuevas
America’s Loan Modification Guru – Check out The Loan Mod Guru a Save Your Home Plan of Action to give you the peace of mind you need.
#1 Bestselling Author, Save Your Home
Ana we been deneid loan mod by AHMSI twice, the reason is as the servicer does not have appropriate constractual authority or any required consent from the owner of the loan to agree to the modification,we are behind on our payment for many months,is their any hope to save our home?
Thank you
I was recenlty denied a hamp loan modif. and now the mtg co (atty for mtg co) has accelerated our sale date–3 weeks! Can they do this. The mtg co (Wells Fargo/American Home mtg co) did not stop an initial sale date while my file was being reviewed. I had to get an atty to file for bankruptcy (did not follow thru) just to stop the sale. Help…please…desperate. Called the mtg co today and they said we are being reviewed for in house modif BUT I still have the sale date of 5/1 looming over me.
Hi Laura,
I am so sorry to hear about the loan modification denial. If your loan modifcation was denied then they will want to rush to foreclose even though the guideline states that they are to give you 30 days to appeal the decision. They don’t all follow the HAMP rules. I suggest to quickly find out why you were denied and see if there are any updates to your situation that you can use to reapply and/or check for any errors to the process. Keep fighting!!!
“Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.”
Expect ONLY Miracles and question authority,
Anna Cuevas
America’s Loan Modification Guru – Check out The Loan Mod Guru http://www.theloanmodguru.com a Save Your Home Plan of Action to give you the peace of mind you need.
#1 Bestselling Author, Save Your Home
Thank you for responding so promptly. They said I was “8% over what was required”. Today, they tell me that I am being considered for an in house modif but I am worried about the letter from their atty indicating a sale date of 5/1.
Laura,
Please let me know what is going on with your loan modification???
“Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.
Expect ONLY miracles and Question Authority,
Anna Cuevas
America’s Loan Modification Guru and #1 bestselling author of Save Your Home without losing your mind or your money http://www.saveyourhomethebook.com
Get a personalized Save Your Home action plan – THE LOAN MOD GURU http://www.theloanmodguru.com – and stop the guessing, sleep better at night, tonight!
Help Anna
Bank of America gave us a Forbearance to get caught up on our payments, my husband been out of work off and on for the past 3 yrs. Our first payment was April 1 st for 512.00/for 12 months to get caught up on our loan . We paid on time and now its April 10 and bank of America sent it back.. what should I do now..
Hi Amy,
Why a forbearance? Why not a Loan Modification? Is there any income in the home??
“Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.
Expect ONLY miracles and Question Authority,
Anna Cuevas
America’s Loan Modification Guru and #1 bestselling author of Save Your Home without losing your mind or your money http://www.saveyourhomethebook.com
Get a personalized Save Your Home action plan – THE LOAN MOD GURU http://www.theloanmodguru.com – and stop the guessing, sleep better at night, tonight!
Dear Anna,
I don’t know if you got my earlier post, just want you to know I have never seen such a website with such inspirational assurance.
After 27 years of marriage and lost everything except my son and my home. Since I purchased the home from my ex husband in March 2010 and going through a very acrimonious divorce, 15 % cut in income and lower home value, finally I summed up the courage to ask my bank for help. From my gross income my mortgage payment is 53%. from my net income my mortgage payment is 78%
I just began loan modification with my bank HSBC and submitted all documents they requested, every time I call they need a different document, but like you have stated ask and you shall receive.
Yearly, 60869
Gross Income – 5072
Take home pay 3448,
Total Principal Balance – 340,000
Mortgage payment 2690.57 includes property tax and home owners insurance totallying $725
Freddie Mac is the owner of our mortgage
Home is worth – 355,000
The only HAMP requirement i don’t qualify for is my loan only originated in March 2010. I do get $590 as child support but right now I give it to my sister, she is taking care of my son. I had to move my son for my safety because of my ex husband. I did not include this money as part of income, but HSBC asked me for documentation and I send it in.
Please pray for me and send me inspirational messages from the bible, that has been my only resting place lately. Thank you in advance, struggling to stay afloat.
My dearest Annie,
Thank you again for the kind words- if I could bring just a little bit of comfort to 1 person such as you, I am completely humbled to know that I could make a difference in a life- all glory be to God.
I am so sorry that you have gone through so many difficult things..but know this one thing – God keeps his promises to us, and you will get through it all!! Of this I am sure!!!
Here is something that helps me every single time:
Prayer To The Holy Spirit
I am going to reveal to you a secret of sanctity and happiness. For five minutes every day quiet your imagination, close your eyes to everything visible and your ears to all external sounds and withdraw into the sanctuary of your baptized soul which is the temple of the Holy Spirit. There, speak to the Holy Spirit and say:
“O Holy Spirit
soul of my soul
I adore you.
Enlighten
guide,
strengthen and console me.
Tell me what I ought to do
and command me to do it.
I promise to submit to everything
that you ask of me
and to accept all
that you allow to happen to me.
Just show me what is your will.”
I did answer your other post but I think you gave me your net income vs gross on the other post. Check it out
Matthew 8:13 Jesus said to the centurion, “Go your way. Let it be done for you as you have Believed.” His servant was healed in that hour.
Expect ONLY Miracles,
Anna
Dear Anna,
Thank you for responding so quick. For two years, my Lord has been carrying me no strength of my own. You have just inspired me to listen to the Holy spirit. No matter what I have lost, nothing is before my Lord.
Do you need any financial information from me, I have never handled this type of bank information before.
Thank you so much for truly doing the Lords work. Many blessings your way. I have always held on to Isaiah 45: 6-7. God Bless you and you have inspired me tremendously and for that I am greatful.
Respectfully
Annie
Hi Annie,
Good morning – READ this : 12:22-40 Christ largely insisted upon this caution not to give way to disquieting, perplexing cares, Mt 6:25-34. The arguments here used are for our encouragement to cast our care upon God, which is the right way to get ease
I heard this song today and I thought this might speak to you this am like it spoke to me
http://www.youtube.com/watch?v=QQOM0Nk20qU&feature=youtube_gdata_player
how much is your monthly property tax and monthly homeowners insurance and HOA if you have one.
Expect ONLY Miracles,
Anna Cuevas
Dear Anna,
Thank you so much for giving me the song. It was a message to me.
Total monthly mortgage is 2690.57. Property Tax monthly is 655, Homeowners Insurance is $70. Home value currently is 350000.
Yearly salary 60,870, Monthly then is 5072, Take home is 3735. Credit card monthly 185. Then there is utilities, groceries, transportation, home repair etc.
I have taken a proactive step and applied for loan modification from HSBC. Submitted all documents asked of me. I do get 590 for my son child support, but I give this amount to my sister to care for my son, while I figure out what to do.
Thank you so much for your guidance. Past two years I have been struggling, yet amazingly God carries me.
Annie
Hello, I sent a msg earlier today upon rec’g my loan modif approval BUT it indicates my payments would be higher than before. I spk to rep at AMHSI and she said that the loan mod does 3 things: reduce mo paym or reduce int rate or bring acct current which is what they did with ours–bring us current. She said that the reason we did not get our paym lowered or int rate lowered was due to the ARM we had–something about it being a large amount that had to be added on or caught up with. ??? She was not the negotiator but she said she didn’t see any way the modif could be adjusted. I told her it puts us back where we were before–not being able to afford the payments. ‘Any suggestions? I left a message with the negotiator to call me to discuss. BTW, our HAMP was declined becuase she said our debt to inc ratio was under 31%. I asked if we could reapply for hamp and she said no. Is this something I want to pursue or leave it alone. The only good thing…this loan modif is fixed rather than ARM. ‘Would apprecaite any guidance you can provide. Note: Paid a so called expert at loan modif and this is what it got me. I don’t think he did any good for us.
Hi Laura,
I answered you earlier. Did you get a HAMP denial letter? Are your current payments including taxes and insurance under 31% of your gross income already? Call them back and ask them how much income they used to qualify you for HAMP – compare with your income to see if there are any errors. If you are already under 31% then HAMP cannot help you – I am sorry you went somewhere else for help rather than using theloanmodguru –
“Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.
Expect ONLY miracles and Question Authority,
Anna Cuevas
America’s Loan Modification Guru and #1 bestselling author of Save Your Home without losing your mind or your money http://www.saveyourhomethebook.com
Get a personalized Save Your Home action plan – THE LOAN MOD GURU http://www.theloanmodguru.com – and stop the guessing, sleep better at night, tonight!
I am also an ‘Anna Cuevas success story’, and truly against all odds. When I found Anna my home was in default by 2+ years, it had a negative NPV (it was worth more than I owed the bank), and it was a Freddie Mac loan and they are known for not modify loans that were that long in the red. It was not a good situation. I was scared and desperate and not able to pay the mortgage anymore. Something had to change, It became a research project as I was recovering from a car accident and forced to rent part of the property to cover bills, but I had a real financial hardship which was well documented.
Anna stood out as a person who had been through what I was faced with. I watched from the sidelines, read the blog(s) and then bought her book. I read lots of posts and those from others in my situation on many websites, and bought other books. My situation did NOT look good. We had been at this to long, BOA lost my paperwork 4 times without contact and since they were processing a modification I just let it ride. Now I had Nationstar who had never heard of me or BOA’s granting of a principle reduction or Loan Modification, and we were 2+ years past due on payments and taxes and the situation was not a pretty one.
At some point I decided I was not going to lose my home because BOA lost my paperwork. This was just not fair, I built my house and raised my family there, and this was going to work out. It just had to. I got really busy, followed what Anna teaches, never lost hope or gave up, and this is what it takes. Getting busy, staying positive, never, never, never giving up.
My personal recipe: careful record keeping with the bank, and stay friendly. They are there to help you get your modification, and it helped to think of that. I made their life easy and I recommend this. Be sure to certify things, email things, be on time or ahead of time with any payments. Also keep a journal that has a contact list and notes: who you spoke to, the date and time, and the purpose and substance of your conversation. You need to hire or become an excellent secretary, stay on the ball and have papers organized in order to photo copy the lost documents, because they will lose them, or they will need them again, or they will need new ones. Also you can scan and email documents. It makes them happier, the mail room for them is a nightmare, and they will tell you email or FAX is the way to go to help them process your documents, with a paper copy certified mail to cover yourself.
Although other people report different outcomes, In my experience Nationstar was not at all hard to deal with. The key is to have your documents in order to begin with, update them if they need you to or replace them right away, and stay right on them by phone. Be friendly, form relationships, get personal to get people on your side and lower roadblocks. This is what I did, thanks to Anna, and the process just progressed smoothly and I wrote my last trial payment check. Whew! One other tip: an additional document, and a updated document were both requested, and it was returned to them promptly. They thanked me, and we commiserated about how many people just don’t fill things out right and don’t follow up, that someone who does gets better results. Faith and follow up, it worked for me!
My loan is now fixed at 2% for 28 years. The payment was reduced by a full third immediately. They paid the unpaid taxes and insurance which was WAY past due (which they don’t do generally if they are going to foreclose). We have a three month trial payment period that ends March 1st, 2013 and it becomes permanent if its paid on time which is easy enough to do. The unpaid portion ( 2+ years of unpaid payments and taxes) was added to the back end of the loan minus the bank fees, lawyers fees, etc., and it will be reduced further if we pay on time for a year with the possibility of principle reduction. A dream scenario, and I can now relax and perhaps help others. I worked hard on the whole thing, made it fit their keyhole for a perfect modification, pictured a ideal outcome, prayed a lot, and got just what I imagined.
Thank you Anna so very much for your practical advice, it worked, but even more your unswerving belief, faith and guidance, I saw the situation differently after your book. Prayer became more involved and that took some of the worry away which was wasting my energy.
I just have to say you and your professional advice and constant presence, plus some persistence, it made all the difference in the world!
Heather
Hi Anna.. help. Foreclosure sale date set for May 15th. We were denied a modification after going back and forth for 4 years with Wells Fargo. They now denied our mod do to a neg MPV. and they wont give me the figures. Here is my information
Current principal and int. 1750.00 taxes 308.00 ins 165.00 a month
gross income $6255.62 net income 5698.86 monthly debts including mtg pymt 5244.68
owe to wells fargo which includes back payments etc 410,000
house is valued at around 385,000
Have done the 3 mo payments thing.. 3 times now.
do you have any advice for us… we love our home and I cant imagine living anywhere else!
thanks , Rebecca Marks
Hi Rebecca,
I am sorry to hear about all of the issues going on in your loan modification process. The first thing I would do is contact Wells Fargo and ask exactly what income and expenses, and property value they have in their system for you, there may be a discrepancy. Also verify how much in past due, to make sure it is accurate. Then also write a letter to escalate and appeal – requesting your right to all of the NPV figures immediately and time for you to review it, in this letter request a trustee sale postponement, address it to Wells Fargo office of the CEO and President, Executive Complaints.
I hope this helps.
“if you have faith as small as a mustard seed, you can say to this mountain, ‘Move from here to there,’ and it will move. Nothing will be impossible for you”
Expect ONLY Miracles and Question Authority,
Anna Cuevas
America’s Loan Modification Guru
#1 Bestselling Author of Save Your Home
Dear Anna,
At one of the absolute lowest points in our life, when everyone we knew thought we were crazy to continue fighting to save our house, I said a prayer and found you. As soon as I read the information on your website I had an overwhelming feeling that you were the answer to our prayers.
After over 4 long years of battling to save our home, you did what no one else on earth could have done. We had a very large jumbo loan and a sizeable second mortgage that we could no longer afford. We had hired several attorneys and loan modification companies over the years and were never able to get anywhere, and time was running out.
Within the first week of using your online system, we completely understood why others had failed in the past. We also
had a very clear understanding of exactly what we needed to do to finally be successful. It was simply amazing how you were able to convert the knowledge you had acquired from over 25 years in the banking and mortgage industry and break it down into very workable objectives to completely turn our situation around. When we hung up the phone after talking to you it felt as if the weight of the world had been lifted from our shoulders. We had more than just hope, for the first time in over 4 years of misery, we had a serious plan of attack!
More importantly, Anna you came into our lives just as our faith in the God in the world was really being put to the test. During the first few weeks of working with you, my father became critically ill and we had to put our loan modification efforts on hold to drive across country to be with him during his final moments. At that time you sent us the most beautiful inspirational messages that reminded me of the little superhero figures in your book…hang in there, feel empowered, you have Anna on your side!! You went above and beyond to not only help us overcome the enormous strain of our financial situation but a very emotional situation as well. You lifted us up spiritually when it seemed life had thrown us a final blow. How can we ever thank you for everything you have done for us?
We just received our final loan modification paperwork signed sealed and delivered and just made our first affordable payment on our new plan. After 4 long years of the emotional turmoil that brought thoughts that we were certain to lose our home, it feels a bit surreal that our dream has finally come true.
I think it’s going to take a while to actually sink in. But Anna, there is a special place in heaven for people like you. You are truly a miracle worker and we feel so blessed to have found you. Thank you again from the bottom of our hearts!
Kathy and Bob
Dana Point, CA