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The most important calculation that will determine your chances at modification approval is the front-end ratio.

If you are in default on your mortgage, they do not care about you. Please do not be fooled by the nice language they use and comforting phrases they say – they are aggressively trying to take your home and you need to be prepared and represented, if possible.

Within the last year, two relatively new mortgage servicers have come on the scene. They have been taking over the servicing rights to several large loan portfolios.

I’ve been getting a lot of calls lately from people struggling with a lender called PHH.