If you are behind on your mortgage payment ( for your personal residence), go to
www.makinghomeaffordable.gov
and initiate a telephone consultation with a HUD mortgage counselor. Your
mortgage servicer may have contacted you concerning an application to
modify your loan, but if the loan is owned by Fannie Mae, Freddie Mac,
HUD, the U.S. Veterans Administration, etc, then starting at this website
in my experience with clients is the best source of information and offers
the best chance for a resolution. Ask about the H.A.M.P. Program and whether
you are eligible. Every loan has a tracking number and they will be able
to determine whether a U.S. government agency, or U.S. backed quasi government/corporate
agency ( like Fannie Mae) owns the rights to the loan. If you have questions
concerning your financial situation, an issue with a creditor, an issue
with delinquent taxes, foreclosure, or any questions about bankruptcy
law, please
call me, I'll BE there for you.-Kevin Ryan, Attorney at Law.
