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I just got a manual underwrite done for a VA client in Oregon.
You can check out this site for more info and help.
http://www.vahomeloanhelp.org
First, call the Dept. of Edu. explain to them what happened, get a copy of the court order, fax them a copy and keep one for your records. If his father was ordered to pay the loan it should not have affected your husbands credit. If you can get all this info and get it to them they should be able to remove it from his credit reports, it may take 30-45 days after it's either paid or removed to revive his credit.
Second, you should not have to put the $5000 down on the loan, but, if you can get it from his father, do so and then pay that towards the loans, at least you'll know that much is taken care of. Then make sure his father is the one made responsible for the remainder.
Third, although it is stressful, especially when you think you are ready and then something like this pops up, don't let it strain your marriage. There is nothing he could have done, really, just work together to fix it and find your home.
Good Luck
You need to get out of this mess and if you have poor credit, you won't be able to get a proper loan. You need to sell the house and I know, you owe much more than what you could get. This is why you need to contact your lender and make arrangements for a "short sale in lieu of foreclosure without recourse". What this means is that you will present the offers on your home to the lender and they will hopefully approve one of them. Then the lender will accept this amount as payment in full and will not come after you for the difference.
So why would a lender ever agree to this? Lenders know that if they foreclose, they will likely sell the house for cheap since they want it sold immediately and then come after you for the difference. However, you know that if a lender sued you for 50k or whatever obscene amount, you would be unable to pay. You would probably file for bankruptcy and they would never see their money. Therefore, they may accept an offer if they know that it is more than what they would receive if they foreclosed and then sold on their own.
This is your best bet. There are some tax implications with short sales but it is better than being foreclosed and sued for a much much much larger amount. Get out of this house and rent something cheap.
Contact your lender immediately!
I hope this helps!
Hello, don't despair. There are millions in the same situation.
Before you decide to foreclose, what's the market rate rent in your neighborhood? If it's significantly cheaper than your current mortgage plus property taxes, I can understand why it would sound appealing. However, you should try these 2 things before you go that route.
First, forget about refinancing. GMAC (or any other lender) will NOT refinance you with recent mortgage lates, bad credit and low income. There are recent programs (such as with B of A) that will allow people under water to refinance at very good rates but GMAC doesn't participate in that program.
Your options are:
1. Call GMAC for loan modification. Tell them your current situation, honest income and expenses and they'll let you know if you qualify. It takes months but it's worth the effort. I've done it with WAMU/CHASE. My friends/clients have done it themselves and lowered their payments and kept their homes. Now, if your debt to income ratio is waaaaay off the chart and they see that there's no way you can really afford even a lowered payment, they'll deny you
2. if they deny you, try short sale. that's much better on your credit than a foreclosure. With foreclosure and shortsale, whatever amount the bank loses on that transaction, you'll get a 1099 at the end of the year which you'll have to pay taxes on. It counts almost as income that you have to pay the IRS. The only way to avoid that is through a BK. Remember, with foreclosure, you can't buy a home for 3 years even with FHA.
Of course the last option is a BK. Unless you HAVE to, don't do it. It's expensive, first of all and kills your credit. However, if you have to, then, you have to. It's not the end of the world.
Either way, you have to think of yourself and the family. Hold onto every dollar you have. Don't pay anyone to try the modification. Do it yourself. I did it myself and it was easy, just time consuming. Be prepared to follow up constantly but it's worth it.
The answer is yes, try the loan modification. Don't worry about your credit… that shouldn't drastically effect a qualification for a loan mod. But the people who modify loans can do anything from dropping your interest rate, to dropping what you owe, all the way to even eliminating your second mortgage. It most certainly wouldn't hurt to at least check out. Just make sure you trust the people who are looking to modify the loan for you. I hope this has helped, and hopefully this can get you back on track financially.
I do feel sorry for you, I can't help it. Did you enlist because you couldn't find a job or are you in there for other reasons? And I wish I could help that 55 year woman, no one should find themselves in that situation. Many are like these two, because our economic system exploits them all, for the benefit of a select few like the Obama's. When are the corrupt bastards going to stop and let others have a chance at life?
You are now paying for your past sins and will continue to do so for at least 3 years after you pay off all your old debt. Unless you can qualify for a mortgage with just your partner's income. Welcome to the real world with real consequences. Consider this one of life's little lessons. Pay off your debt, stay clean and in 3 years you should be able to qualify for a joint mortgage.
Try http://www.esuperfind.com/lowermybills.phpp?id=hra0tt16koo9 the actual lending firm is an Experian company BBB approved so very safe.
Yes, go to your local bank for the best rate/lowest closing costs, mortgage brokers are much higher. Theres a few that spam around here…