[Gunguy45]

Again, this is only what I read and hear.

You didn't say you were going to default. If you have income and have been paying on time..then of course no lender would work with you.. why would they? They are getting their money. Now..if you just lost your job, with no prospects in the future..then sure..the lender may want to work with you as long as there is the possibility that you can make the payments. And the programs I mentioned may come into play.

I've actually seen scam reports where they advised people to stop paying the mortgage and send the money to the scammers... Or just stop paying until you get a default notice.....everyone says RUN RUN RUN from those people. They will make money..you will lose your house.

My main point was paying some ripoff artist to do what you can do yourself is a waste of money.

Its been 10 days since the last post..Gov money and programs can run out in that length of time as well as rates and economy changes. If it may soon become an issue..you need to work on it now. If the real estate market starts to change..they may not want to work with you at all. By the time all the court stuff is done, they could sit on it and sell it a year later and make money.

Oh...and the person you said would negotiate for you? I'd lay odds they don't lend their own money like a bank or credit union...they are a BROKER. So you pay them..a week later they say sorry..we did what we could.

Big difference between an actual lender...and a mortgage broker.