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self-employed, looking to refinance or modify my loan?
The problem is that when I bought my house, was a declared / Doc loan no. I do not have to show my tax returns because income would have been too low to qualify. Now, with rates being so low, it is hard to resist. The problem: given / no document loans no longer exists. How can I modify my late interest or refi? The last person who answered my question in another post was called "help is here!" and he had some good advice. I would like to find it again. Someone else in the same Boat as me? Should I hire a lawyer? Thanks.
A lawyer would be no help. If you can not document their income will not get the loan. It very simple. The days of banks to trust others are long gone. You will not be able to refinance without proving that you do enough to deal with this loan. Modification is for people over their heads. If your mortgage payment exceeds 31% of your gross income you may qualify for a modification, but they are voluntary for the lenders and you need to show some economic distress for approval. Really, if you can pay your payment and not an interest-only payment (or an ARM loan), then your best bet is to continue paying as agreed. good luck!
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