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 If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

EverHome Mortgage Inc. Loan Modification

Get Help With Your EverHome Loan Modification

Talk To A Specialist Who Knows How To Deal With A EverHome Mortgage.

Get Help With Your EverHome Loan Modification

Talk To A Specialist Who Knows How To Deal With A EverHome Mortgage.

EverHome Mortgage Loan Modification Process

Everhome mortgage has a conventional process for Loan Modification very similar to the procedure of other companies:

  1. Process is initiated by a phone interview.
  2. Completion of EverHome Request for Mortgage Assistance package and submition along with supporting documents and complete finances.
  3. A Property Valuation is Completed using a Broker’s Price Opinion (If, Applicable) – Often this is done via an automated valuation model (AVM)
  4. Terms of Modification Are Reviewed, Negotiated and Sent To Underwriting
  5. Lender Provides A Response

Regrettably, the loan modification process with EverHome Mortgage is never easy. That is why we, Absolute Consultant Group (ACG) are here to support homeowners through the process. Often you will have to move back and forth with EverHome Mortgage. It is very typical that you will have you submit the documents again and again. Often you will be faced with a problem that you will be transferred from department to department having you run around from EverHome Mortgage Loan Modifiation Department to EverHome’s Customer Service Department. Often clients come to us after submitting the wrong information on their application, getting denied, and not being able to figure out what happened. Our staff is available to review your paperwork and to help you step with the best foot forward. Call us at 888-934-3444.

EverHome Mortgage Loan Modification Timeline

There is a lot of bureaucracy involved when you are dealing with a company like EverHome Mortgage. The timeline of EverHome Mortgage Loan Modification varies due to various reasons some of which are simple but some are not so simple. Here are a few of the reasons this question has such complicated answers.

  • For one, EverHome Mortgage is a company that only works a mortgage servicing company. This means that they service loans on someone’s else behalf known as an investor. As a servicer they have to abide by their PSA or Pooling and Servicing Agreement that they have with each investor. The investor may have allowed the company to make some decisions on its behalf but for the decisions that they are not allowed to make they have to get permission from the investor. Some investors such as Fannie Mae (FNMA) and Freddie Mac (FHLMC) have pulled almost all decision making authority from most servicers. As you can imagine the more parties invovled the longer it takes and the more someone like EverHome’s Mortgage Department has their hands tied.
  • Another issue, The other thing that effects the loan modification timeline is the urgency, the business is based on first come first serve model untill you ask the question that whether you loan has a sale date? If it does, chances are you are going to get bumped up in the process. Servicers such as EverHome Mortgage have homes going to sale just about all the time. Sales even set a week from today are not worked as urgently as you might want because of foreclosures pending going to auction between today, tomorrow and the next day. Remember this business is a first come first serve but it is also influenced by foreclosure status and proximity to the sale date.
  • Lastly, There is no one program that fits for all mortgage solutions. You often will be reviewed for a large number of programs. If you don’t qualify for the first modification type they will review you for the next one. In the banking world departments become very specialized in their  particular types of programs. Loan modification negotiators review only loan modifications and short sale negotiators only review short sales. The method is called the waterfall process and you will also find that often you are reviewed by different loan modification departments at each step of the waterfall.

EverHome Mortgage Loan Modification Timeline Conclusion: Sorry to say but time frames vary greatly. Whether the decisions can be made in house or have to be sent out for appoval, whether you fit the first plan you are reviewed for or the 10th plan, along with factors outside the bank including but not limited to how fast they are able to get their property values back from valuation companies, how fast documents are received legibly on their end and much much more all effect how long it will take for your EverHome Mortage Loan Modifiication to be reviewed.

If Your EverHome Mortgage Modification Has Been Denied. It May Not Be Too Late

 

Dealing With An EverHome Mortgage Loan Modification Decline

Often dealing with an EverHome Loan Modification Decline can be confusing. Understanding the details of all the plans and how that conflicts with your information is key. Here at ACG we have dozens of points we review in order to understand why your EverHome Mortgage loan modification was rejected. Have us review your declined modifcation for free by calling us at 888-934-3444.

Additional EverHome Mortgage Contact Information

EverHome Mortgage Customers

EverHome Mortgage Complaints

 

EverHome Mortgage Loan Modification Reviews

EverHome Mortgage Loan Modification Complaints

EverHome 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 loan modification. Call 888-934-3444.

EverHome 1 Star Reviews

EverHome 1 Star Review:

Increased payment $200 after doing a friendly “escrow audit” – I dispute EVERYTHING about my loan originated by Countrywide – over charges – knowing we were in trouble, the equity strip the loan for small amount but extended the mortgage 30 more years. BofA had servicers/collectors named loan officer – taping fraudclosure documents to our door. I am sick of this treatment – I don’t want a free home, I’ve paid my mortgage and taxes for 18 years and now these criminal banks, servicers and bottom feeders want a FREE HOME! ANGRY as HELL

Zoa, Seattle, WA

 

EverHome 1 Star Review:

I will be very brief. I wish I had read these reviews before starting with Everbank. This is a very convincing operation when you start but as soon as you commit it all changes. The problem seems to be that they know they have you and it is near impossible to start over with someone else. They are simply cranking numbers and once you are with them communication becomes horrible and everything gets complicated. They will do their best to get you to this point quickly giving you the impression that they are very professional and communicate well but then you are passed to someone who is too busy trying to dig out and everything goes bad from there. Read the other reviews… See a pattern? Stay far away! Stephen, Livinia, MI

Don't Be A 1 Star Review

 

Don't Be A 1 Star Review

 

EverHome 1 Star Review:

I purchased a home (I thought) through Flagstar as a conventional loan at 6% in 2005. They sold my mortgage to Everhome Mortgage a few years later. I wanted to refinance the loan, as the property was not worth what I took the mortgage out for, when I heard about the new avenues available through the US government. I found out at that time that I was sold a bad mortgage, as it looked like a home, but it had two roofs on it and two foundations encased as one… deceived! Everhome dropped me and would not work with me in modifying or refinancing. Was not my fault they purchased a bad mortgage, and I was not able to work with Flagstar, the originator. Neither companies loan on a mobile home with addition. I was foreclosed upon. I tried to short sell and they would not accept it. Now I just want to clear it off my record.

Ilona, Lincoln Park, MI

1 Star Situations Happen Every Day

 

ACG 5 Star Reviews

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 Can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your EverHome Mortgage.

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

ACG Specialist Here To Help Your EverHome Home Mortgage.

EverHome Mortgage Loan Modification Mortgage News

EverHome 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...

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Everhome Mortgage Deed In Lieu Of Foreclosure

**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