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 If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

Gateway Mortgage Group Loan Modification

Get Help With Your Gateway Loan Modification

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

Get Help With Your Gateway Loan Modification

Talk To A Specialist Who Knows How To Deal With A Gateway Mortgage.
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Gateway Mortgage Loan Modification Process

Gateway Mortgage has a typical and conventional loan modification process which is similar to other companies:

  1. Interview By Phone As is the case for other companies the loan modification procedure of Gateway Mortgage also starts with a phone interview.
  2. Package Submission After the phone interview you will be required to submit the Gateway Request for Mortgage Assistance package with the supporting documents and finances.
  3. BPO  (Broker’s Price Opinion) Sometimes it is necessary to obtain a valuation of the property for this a Broker’s price opinion is obtained. Sometimes Automatic valuation model is used for this purpose.
  4. Negotiations The new terms are negotiated which are the most suitable for the both parties and are sent to underwriting for approval.
  5. Modification Approval/Decline The servicer responds on behalf of the client about the approval or decline of the modification application.

We are sorry to say but the loan modification process with Gateway Mortgage is never easy. We Absolute Consultant Group (ACG) are a company that support the homeowners through the loan modification process. It is normal for the company to give you the runaround during the loan modification process. Often the company will request the same documents again and again. You will be often given the runarounds from department to department. The Gateway loan modification department often transfers the customers to the servicing department and it sends them back to the loan modification department. It is much better to come to our staff rather than submitting the wrong information, getting denied or not being able to figure out what to do and can save you a lot of trouble. Our staff is available to review your paperwork and to help you step with the best foot forward. Call us at 888-934-3444.

Gateway Loan Modification Timeline

A lot of bureaucracy is involved in a company like Gateway. Due to this the timeline of Gateway loan modification varies due to reasons that sometimes are very straight but sometimes they are very complicated. Here are a few reasons why the answers to this question are such complicated.

For one, Gateway Mortgage is only a mortgage notes service providing company and is always representing debt on someone else’s behalf. This hugely effects the decision taking capability of the company. As a home loan servicing company they follow the Pooling and Servicing Agreement (PSA), This serves like an agreement between all institutions. For few of the cases the investor allows the company to take a decision on their own. This means that they have to get permision from the investor for every loan modification that they want to make. Certain investors take the process of making decision and do it themselves. In this kind of regulated business the more hands involved the longer it takes in processing leaving Gateway’s hands tied.

Another issue, The other thing on which the timeline depends on is the priority of the application. The company prioritises the application in the order as they are received. The company mostly works on first come first serve model but it also depends on if you have a foreclosure date that is very near in the future. If you have a foreclosure date that is near in the future then it is likely that your application will be pushed to the front of the line and considered sooner for the mortgage assistance. It must be kept in mind that the institutions like Gateway have foreclosure dates for almost every day. Due to this the process does not go forward as quickly as you want it to.

  • Lastly, All mortgages are not created equal. There are a large number of mortgage programs each having different terms and regulations about how they will modify your loan. Usually, if the client does not qualify for the first program they are tried for the next one. This process goes on untill they find the mortgage solution that works. Departments are very specialized due to these conditions so many times different representatives handle different parts of the review.

Gateway Mortgage Loan Modification Timeline Conclusion: While we would like to give an exact modification timeline to our valued customers but it varies greatly customer to customer. It depends on whether the servicer can take the decision themselve or they have to send it to the investor for approval. It depends on whether you fit the first program you are reviewed for or the 10th or 11th. It also depends on the factors from outside the bank such as how fast they can get the valuation on the property and how fast they receive the legible documents.

If Your Gateway Loan Modification Has Been Denied. It May Not Be Too Late


Dealing With A Gateway Loan Modification Decline

Have you been declined by Gateway? Has Gateway denied your request for Home Loan Modification. The 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 Gateway Mortgage loan modification was rejected. Have us review your declined modifcation for free by calling us at 888-934-3444.

Additional Gateway Mortgage Contact Information

Gateway Customer Service

Gateway Home Mortgage Complaints


Gateway Mortgage Loan Modification Reviews

Gateway Mortgage Modification Complaints

Gateway 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.

Gateway 1 Star Reviews

Gateway 1 Star Review:

Applied for a HardShip 3 times to get monthly payments lower – Me and my husband was lied to and asked to provide all kind of silly information. Were lied to by Shannon ** and Laurel **. Then was told, “Oh yes your file is looking good.” But every week they kept coming back saying we need more information until we just got tired of the song and dance.

Gloria, Desoto, TX

Gateway 1 Star Review:

This is not a reputable company. Check the reviews. They said they could do a deal and couldn’t. I would strongly recommend against doing any business with them. I sure wouldn’t vote for their CEO of for the next Oklahoma governor.

Gus, Tulsa, OK

Don't Be A 1 Star Review


Don't Be A 1 Star Review


Gateway 1 Star Review:

Gateway is trying to tell me how and when to make my payments; it’s now policy that it’s FREE to pay online when recurring payment is set-up, but now if you want to pay from your checking account when you want, you have to pay a service charge. I didn’t get a chance to choose Gateway Mortgage Group because the loan was sold. I don’t want them to make any more money off of me if they are going to treat us like **. Maybe it is time to refinance the loan just to get rid of them? Seriously squeezing money out of us as much they can, as if the hundreds of thousands of dollars in interest isn’t enough. We have to pay, to pay.

Evelya Z., San Diego, CA

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 Gateway Mortgage

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

ACG Specialist Here To Help Your Gateway Mortgage.

Gateway Mortgage Modification Mortgage News