CALIFORNIA
My lender offered me a loan modification that will lower my payment by only $70.oo.
They biased the new payment on 31% of my income.
They are asking me to make 3 trial payments before it takes full effect.
I plan to continue making the full normal payment so i can fight them if they report me as late on anything.
Will taking the offer hurt my credit? Seems like it legally shoulden't if we mutually agree to modify the loan.
$70.oo is not much help, and I want to ask for more, Should I accept it now and try to re modify it again later? or should I just say no and re-apply?
My lender offered me a loan modification that will lower my payment by only $70.oo.
They biased the new payment on 31% of my income.
They are asking me to make 3 trial payments before it takes full effect.
I plan to continue making the full normal payment so i can fight them if they report me as late on anything.
Will taking the offer hurt my credit? Seems like it legally shoulden't if we mutually agree to modify the loan.
$70.oo is not much help, and I want to ask for more, Should I accept it now and try to re modify it again later? or should I just say no and re-apply?
Liens and Encumbrances: Loan Mod Offer from Nationstar
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