Backstory: A recently divorced client received my monthly market update notifying clients that mortgage rates. an online lender informed her she needed to first pay off a loan modification she did.

A loan modification is a change to the original terms of your mortgage, typically due to financial hardship. The goal is to reduce your monthly payment and this can be achieved in a variety of ways.

Example 2 – Modification of an Adjustable Rate Mortgage (ARM): Conversion to a fixed rate (no new money) Regulation Z – Presumably, this modification would be granted to hold or lower the interest rate that the borrower is being charged. In this case, it does not appear that new disclosures would be warranted.

Home Loan Modification Update for 2017. Posted February 5th, 2017. An improving economy, an increase in employment rates and an increase in housing prices have relieved the financial stress on many home owners. However, many homeowners are still burdened with debts that make it difficult to start rebuilding to the future, while others are.

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This newsflash provides information on Manual Update, Upcoming Loan Purge, Claims Bulk Upload Template Update, Transfer Tax for Two-deed process states, Notice for Internet Protocol Changes, and Development Updates. 8/3/2016: This newsflash provides updates on Interest Rate for VA Streamline Modifications, VA Address on Deeds to VA, and.

Whether you are looking to purchase a new home or refinance your current mortgage, PHH offers a wide variety of loan options, including conventional, VA and FHA. Talk with one of our experienced loan officers today to get started.

If you’re a struggling homeowner trying to avoid foreclosure, a loan modification that lowers your monthly mortgage payment might be the perfect solution for your situation.Even though the process might seem intimidating, in many cases, you can apply for and (hopefully) get a loan modification on your own without paying for assistance.

 · If a modification is completed by December 1, 2017, but not reported before May 1, 2018, Treasury will not make any incentive payments, and for non-GSE loans.

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 · Depending on the type of loan you have, it might be easier to qualify for a loan modification. government programs like FHA loans, VA loans, and USDA loans offer relief, and some federal and state agencies can also help. Speak with your loan servicer or a HUD-approved counselor for details. For other loans, try the Fannie Mae Mortgage Help Network.