Information Disclaimer: Not Your Loan Servicer (Read More)

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. We are a homeowner advocacy group with more than a decade of helping homeowners and professionals with mortgage assistance negotiations. The information found on this page is for educational and convenience purposes only. The information found on this page should be considered as opinion and not fact based on our experience with lenders over 10+ years. Consult your mortgage servicer directly or a professional before using any of the information found on this site. If you are seeking an intermediary to assist you in getting help with your mortgage you may contact us at 888-934-3444 or via email at [email protected] for further review for a no fee, no obligation, consultation. If required you may be referred to a local professional or legal counsel for additional assistance with your mortgage. Please read through our Disclaimer page for additional details. We do not represent in any way any financial institution named on this page. If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

CCO Mortgage Deed In Lieu Of Foreclosure


CCO Mortgage RMA Deed In Lieu of Foreclosure Package

Mortgage Assistance Form.

Deed In Lieu Decline

CCO Mortgage Deed In Lieu Application Denied?

CCO Mortgage Loan Mortgage DIL Process

How does a deed in lieu work? Learn.

CCO Mortgage Deed In Lieu Negotiators. We're On Top.


CCO Mortgage Deed In Lieu of Foreclosure Process

If you are thinking about applying for Deed In Lieu Foreclosure process on a loan serviced by CCO Mortgage (Citizen One) then we at ACG will work our best to ensure that our customers go through a process that is simple and standard as for other companies:

  1. To start the process on your Deed In Lieu Application a member of our team will have to call your loan counselor at CCO Mortgage and sometimes we have to call again after placing an appointment but once we have spoken the process will be initiated.
  2. Paperwork called Request for Mortgage Assistance is also required for the application.
  3. Before they start the DIL Process you may first have to go through a review for Loan Modification.
  4. In some of the cases, CCO Mortgage may prefer that you sell your property first to someone else before transferring the deed to them to prevent themselves the liability of owning the property.
  5. The title of your property will have to be checked in the next step of the process.
  6. CCO Mortgage will have to do a valuation on your property on behalf of the investor.
  7.  In next step, terms of relocation and timeframes will be negotiated by us with CCO Mortgage.
  8. Lastly, your lender provides a response to the deed in lieu of foreclosure made to them.

If you have dealt with CCO Mortgage in the past to try to get any kind of Mortgage Assistance you will already know that going through the above steps is not as easy as it sounds. During the process. you will have to face many difficulties from time to time but you have nothing to worry about as ACG has a specialized team to help our customers facing Mortgage related difficulties. While the process is ongoing you will often have to repeat certain steps again and again. We will have to run around from department to department while working through the process for you. It could be that you have been trying to get a Loan Modification from them for a long time and they still need to close the file or review it first. Maybe they want you to sell the house first so the short sale department has your file. We are here to do everything for you and most importantly you should be able to figure out when they are sending you in the wrong direction. Often clients come to us after submitting the wrong information on their deed in lieu application, getting denied, and not being able to figure out what happened. We can help you through the process of doing a deed in lieu of foreclosure even if that means reviewing a decline made by CCO Mortgage.

CCO Mortgage Loan Deed In Lieu Timeline

The timeline of the Deed In Lieu Process varies greatly as it would for any company of this size. Sometimes it is very vague that what is going on behind the scenes. These are just a few of the hoops we jump through when dealing with a deed in lieu with CCO Mortgage.

  • To begin with,  CCO Mortgage has to follow a set of rules while servicing any loan which is called as “PSA” or Pooling and Servicing Agreement that governs the pools of mortgages they service as they are only a servicer of Mortgage and usually represent an investor. The PSA is like a  contract between servicer and beneficiary of the mortgage note. The investor allows CCO Mortgage the authority to make some decisions only and for the decisions that they cannot make themselves they will have to get permission from investor. Some investors such as Fannie Mae (FNMA) and Freddie Mac (FHLMC) have pulled almost all decision making authority from many servicers and take care of many of the decisions themselves. As always the greater the number of hands in the put the more layers of bureaucracy you’re going to deal with.
  • Additionally, The timeline deed in lieu of foreclosure process is hugely effected if your loan has a sale date. If the sale has to be stopped to complete the deed in lieu of foreclosure process then they become a lot difficult to deal with. A company like CCO Mortgage has sale dates for every day of the week so they are not worked on as urgently as you want them to. Remember this business is a first come first serve but it is also influenced by foreclosure status and proximity to the sale date.
  • Finally, All negotiators were not created equally. What makes the process tricky is that this goes for both sides. Miscommunication can lead to certain failure while dealing at this kind of large level. Representing a homeowner during the process of Deed in Lieu Of Foreclosure is a very specialized skill that can be learned through experience only. Often you will be put through the multiple levels of management including approval from an investor as mentioned above depending on what their total losses are for the banking institution who owns the interest in the loan.

CCO Mortgage Deed In Lieu Timeline Conclusion: The factors on which CCO Mortgage’s Deed In Lieu of Foreclosure process’s timeline depends are very broad spectrum and not only limited to the ones mentioned above. If it is possible for CCO Mortgage to make the decision themselves that will be much quicker. What the lender perceives as the value of the property will also effect the timeline. Your limit to get Deed In Lieu will also be hugely limited if you have other liens. How fast CCO Mortgage’s Loss Mitigation department receives the CCO Mortgage  Deed In Lieu Forms to apply for mortgage assistance are received (readable) and other factors will come together to effect how long it will take for your CCO Mortgage Deed In Lieu application will take to be Approved.

If Your CCO Mortgage Deed In Lieu of Foreclosure Was Denied There May Still Be Options.


How To Fix A CCO Mortgage Deed In Lieu Decline?

The reason we have seen the most for the decline of the application is miscommunication but it can often become very confusing as to why it was rejected. Often they will not be clear not only as to why but if there is anything that can be done to fix it.  Here at ACG we review dozens of points in order to understand why your CCO Mortgage deed in lieu offer was rejected. Have us review your declined deed in lieu for free by calling us at 888-934-3444.

CCO Mortgage Contact Information

CCO Mortgage Customers

CCO Mortgage Complaints


CCO Mortgage Home Mortgage Deed In Lieu Reviews

CCO Mortgage Deed In Lieu Complaints

CCO Mortgage is a large company and the rules are literally changing every day. There are a lot of departments and even more hands in the pot of each case that making it through the system can be a real drag. It doesn’t have to be though and that’s where we come in. Give us a call and see how we can help you with your Deed In Lieu. Call 888-934-3444.

CCO 1 Star Review:

Mortgage modification – This company jerked me around for 15 mo after never missing a payment and has completely ruined my life and credit! Had to hire a lawyer! At 800.00$ a month. Why isn’t someone doing something? They have ruined my life.

Jayne, Edgartown, MA

CCO 1 Star Review:

I have only had my loan for 12 months out of 36 and 2x in the 12 month period my loan has generated a late notice when payments were actually early. I call it gets problem taken care of but come on now should I really have to call them to begin with if idiots processing payments could read? I am going to look into who to complain to government wise as this bank should not be allowed to loan money. No apology when you call them out on their mistake either.

Don, Sarasota, FL

Don't Be A 1 Star Review


Don't Be A 1 Star Review


CCO 1 Star Review:

This Bank refuses to credit my payments on this home line of credit (that they changed to a mortgage without telling me) and has twice sent in preservation people and started foreclosure which I bought my way out of. I just want an attorney for this if anyone knows of one.

Nancy, Erie, PA

1 Star Situations Happen Every Day


ACG 5 Star Review:

Tried modifying my mortgage loan on my own, twice actually, but no luck. Until I called ACG. [I] got my loan mod approved and all is well.

Michael, Woodland Hills, CA

ACG 5 Star Review:

We were struggling trying to get assistance in keeping our home for over a year when I was introduced to ACG Today both my homes are modified and our family has a chance for a fresh start.

Patricia, Porter Ranch, CA

ACG 5 Star Review:

I have worked with [the] team personally and professionally referring them many clients over the past few years. If you need help with a loan modification, short sale, or want to avoid foreclosure I highly suggest you use Absolute Consultant Group!

Daniel, Santa Clarita, CA

You Know You can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your CCO Mortgage.

You Know You can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your CCO Mortgage.

CCO Mortgage Deed in lieu News

CCO Mortgage Foreclosure Process

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information...

read more