In order to apply for a HAMP loan modification, you will need to complete a Request for Modification Assistance (RMA) form with supporting. Under HAMP, the Treasury (pictured above) provides capped for modification and affidavit (RMA) form; the Internal Revenue Service (IRS). On March 30, HAMP released Updated RMA Form Now Available. The Request for Mortgage Assistance (RMA) Form has been updated to reflect the policy.

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It can also be considered to be a sworn statement of fact from which the lender will draw its final conclusions if it can help a homeowner or not. Up until the decision my bank was telling me the same reasons that they were telling FC.

What is a Hardship Affidavit? A Question we get about HAMP – Mortgage Lender Report

In fact, I hmp received a HAMP denial letter and demand for full payment along with foreclosure threat. My monthly debt payments are excessive and I am overextended with my creditors. Also, the way I was ever informed r,a instructed about their needs was when I called them.

None of them do. Anyone riding the short sale pipeline may have seen many buyers getting antsy as we came to the end of Hi finalchapter, I would most definitely resubmit a new package. If you include income and expenses from a household member who is not a borrower, please specify using the back of this form if necessary. I posted the information in regards to reserves in one of your other threads. First of all, saving is not a requisite for receiving a Hamp, income is another story.


Just as an fyi, it would help us if you kept each new question that you had in regards to the modification in one thread rather than beginning a new thread with each new question.

What is a Hardship Affidavit? A Question we get about HAMP

Hakp understand and consent to the disclosure of my personal information and the terms of any Making Home Affordable Agreement by Servicer to a the U. What’s new New posts New profile posts Latest activity. There is no advantage for me to resubmit I mean no change in my circumstance that helps or hurts me. They even denied me for a divorce decree, never even told them I was married.

is 90 day document expiration real in a HAMP RMA process?

Contact A Housing Counselor. Cat Damiano Mortgage Wars Mar 12, I have not filed a complaint with Rrma yet. Debt includes credit cards, home equity or other debt. They never said okay give me the down payment, they just sent me my TPP.

Many times these programs that we deal with for our clients change for the better but there are also certain I understand that the Servicer, the U.

Many different acronyms get thrown around frequently in the business world. If you are concerned about posting information online and would like to directly contact someone please feel free to reach us at There is no requirement to refresh the income documentation during the TPP.

Members Current visitors New profile posts Search profile posts. On one hand the ball is in their court, but if we don’t take charge they will just “throw the game”. I have been days away from foreclosure a couple of times, attempted short sale, etc.


I did, maybe it helped my mod or maybe it didn’t, but I sure gave it a try. That was before I found out that you did not need a downpayment. It has been 5 months, but not really.

is 90 day document expiration real in a HAMP RMA process? | LoanSafe’s Mortgage & Real Estate Forum

By signing this document you certify, represent and agree that: The information that I posted is only applicable prior to receiving the Trial Payment Plan. SPS dragging their feet and jerking me around by continually asking for “updated”documents. I know I did not have to resubmit during the TPP. This is in response to “not receiving updated bank statements” – which they actually did receive and I spoke with multiple “relationship managers” prior and after the denial letter that confirmed that the bank statements had been received.

I am waiting for my final modification papers from Fed-Ex. Which is the reason for me posting in answer to the question is it gamp “real” requirement. Harsh rules leaving many homeowners in trouble. If they say resubmit, should I start over or argue my case. Thanks so much LO. NW, Washington, DC I am having difficulty making my monthly payment because of financial difficulties created by then there are boxes you check if they apply.

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