flagstar bank hardship

Please see below for eligibility requirements.Opes Advisors is licensed by the CA Department of Business Oversight under the California Residential Mortgage Lending Act, License # 4150089, CA Bureau of Real Estate 01458652, loans will be made pursuant to the Residential Mortgage Lending Act, CO Registration, Idaho MBL8530, Montana Mortgage Lender License #235584, Oregon ML4902, Washington CL1178435, Wyoming #2667 and NMLS 235584. Can the loan term be extended so that missed payments are added to the end of your mortgage?Finally, be on the lookout for scams and scammers looking to take advantage of consumers affected by coronavirus.
You might receive fraudulent calls, emails, text messages or other “offers” to help you reduce or stop your mortgage payments.  Make sure you are working directly with your mortgage servicer.Here’s how this works for federally-backed mortgages under the CARES Act. During the course of home ownership, increased expenses or changes in your family income may make it difficult to pay your bills including your monthly mortgage payments. This process is referred to as a deed-in-lieu of foreclosure.
The best place to find that information is from your loan servicer. Equal Opportunity Lender. If you are experiencing financial hardship due to the coronavirus pandemic, you have a right to request forbearance for up to one hundred eighty days. Through the short sale you will be able to resolve your debt. Opes Advisors is a registered investment advisor with the Securities and Exchange Commission (SEC). You also have the right to request an extension for up to an additional one hundred eighty days. You can explore this option if you are deemed not eligible for the HAFA Short Sale Program.For general information regarding the HAFA program, please call us at 888-395-3997.You may be eligible to apply if you meet all of the following:In order to begin the review process, please have the following information available and ready when you call:If your payment difficulties are temporary, you may qualify for one of the following options:The Home Affordable Foreclosure Alternatives (“HAFA”) program provides homeowners with an alternative to resolve their mortgage debt and avoid foreclosure. You can find a HUD counselor in your area by visiting the HUD Website or by calling HUD toll-free at 800-569-4287.Please call our Loss Mitigation Department toll-free at 888-395-3997. These programs apply to unsecured personal loans, vehicle loans, personal lines of credit, overdraft lines of credit, and home equity lines of credit. So, if you’re able to keep up with your payments, keep making them.We encourage you to continue to make payments when you can during your COVID-19 forbearance plan to the extent that you are able.Will your subsequent monthly payments be higher for a period of time to make up the deferred amount?The purpose of a forbearance is to give you peace of mind, right now, and give you the opportunity to earn an income and/or have an ability to re-pay again. Once those are in place, we can begin that reset. Right now, most financial institutions, including mortgage servicers, are experiencing high call volumes, so there may be long wait times to talk to someone on the phone. Opt-ing in to a forbearance plan does not stop your auto-pay or scheduled payment plan. You must not have been convicted within the last 10 years of felony larceny, theft, fraud, forgery, money laundering, or tax evasion in connection with a mortgage or real estate transaction.

Prior to restoring employment or income, the only solution that we can offer is a forbearance, or option where home retention does not occur (short sale or deed in lieu).If you cannot make your mortgage payments, and you are looking to suspend or reduce your payments, you will need to work with your servicer.  If you decide to move forward with a forbearance plan, ask your servicer how you will be required to pay back the amount owed after the forbearance period.Put simply, this team will help you find the best solution for your total picture when you are able to make a payment again.If you are experiencing difficulty making on-time mortgage payments due to the national coronavirus emergency, forbearance may be an option for you.

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