http://www.teamworkersusa.com/america-home/
Working with Bank of America Home Retention Department
So here are some tips on what to ask your lender and this will apply across the board with ther lenders as well.
1) Do your homework! If you are applying for the government program HAMP, MHA (making home affordable) go to their site and check out their Q & A (question & answer section).
2) Review your financial information (income vs. expenses) if you are underwater every month more than $200.00 you usually will not qualify for assistance. Lenders like to see you can afford your mortgage even though you maybe behind.
3) Check out the lender’s website and review the types of options they have available to struggling homeowners.
4) Make sure you are calling the right department usually home retention
5) Once you submit your application call and check that the lender has everything they need! Most often homeowners do not fill out lender forms correctly (Request of Modification Affidavit) RMA, or do not send in correct supporting documents (income & bank statements).
6) Once you have confirmed the lender has everything ask questions, lots of questions. For example: What is the next step? When will I hear something?, How long does this process take? Bank of America takes up to 7 months to process applications from start to finish.
Remember contact is key to making sure your application doesn’t get derailed and closed out because you are not in contact with your lender. Thanks for reading and check back with us for updated information and changes and as always keep moving forward!!
The BofA home retention department has at least 10 different call centers in the US alone and supposedly they are suppose to operate the same, unfortunately they do not and often distressed homeowners are given incorrect, inaccurate information. Sometimes causing them to loose their home…
About the Author
My legal practice covers many areas of law, but specialize in real estate law, development, title and foreclosures defense. I also have experience in joint ventures, acquisitions, and commercial real estate. I enjoy speaking on Real Estate Law matters and I enjoy not only protecting my clients but educating them as well. If you need honest counsel in legal matters please visit my website.
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