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내가 직접 신청하는 융자재조정 2 |
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2009-06-08 17:24 | 조회수: 4378 |
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지난주 칼럼에 이어서 이번 주에는 교민 여러분들이 많이 이용하고 계신 은행의 순서에 따라 융자 재조정 신청 방법을 알아 보도록 하자.
먼저 밝혀두고 싶은것은 융자 재조정은 광고나 소문과 달리 은행과의 거래가 아니다. 융자 재 조종은 실제 융자를 해준 투자가로부터 정부가 정해놓은 일정한 원칙과 규정에 의해 재조정의 가부를 결정 받는것이다. 그러므로 누가 대신 신청하느냐에 따라 다른 룰이 적용 받는것은 아니라는 은행측의 이야기를 신뢰한다.
융자 재조정을 본인이 직접 신청하기 위해서 첫번째로는 무슨 서류를 꾸며서 어디로 보내느냐를 알아야 한다. 둘째로는 서류들이 제대로 도착했는지, 잘못 작성된것은 없었는지 ,심사를 위해 추가로 필요한 정보는 없는지, 심사과정에서 왜 불합격 판정을 받은것인지를 아는것이다.
제일 먼저 Bank of America의경우를 알아보자. http://www.bankofamerica.com/loansandhomes/financial-difficulty/worksheet.pdf 에서 개인의 한달 수입과 지출 내역서를 적어 제출해야한다. 이것은 대부분의 은행에서 요구되는 필수 서류중의 하나이며 지정된 폼이 따로없는 은행의 경우에 대체 사용할수 있다. 또한 Hardship Letter라고 불리우는 편지 내용에는 현제 제정적 위기 사항에 처한 이유에 대하여 아주 자세하게 기록한 편지를 써야한다.
그외 두달치의 은행 거래 내역서 (Bank Statement), 2달치의 월급 명세서 (만약 자영업자인 경우에는 6개월치의 손악계산서-Profit and Loss Statement) 그리고 지난해의 세금 보고서와 W-2 Form을 모두 준비한 다음 반드시 한꺼번에 Homeownership Retention Department에 FAX (1-716-635-7255)하면 된다. 은행에서 요구하는 기본 서류 보다 다소 많을 수도 있으나 위의 서류를 모두 챙겨 보내는것이 남들보다 까다로운 심사를 통과하는 시간과 노력을 줄여 줄것으로 믿는다. 그외 궁금한 사항은http://www.bankofamerica.com/loansandhomes/financial-difficulty /index.cfm?adlink=&statecheck=PA&cm_mmc=&cm_sp=&type= 로 링크하면 더욱 자세하게 알수 있다. 모기지 뿐만 아니라 이차 융자나 크레딧 카드 페이먼트에 대한 어려움이 있을때에도 필요한 정보를 위의 링크를 통하여 얻을수 있다. 그러나 Countrywide를 통하여 융자를 받았으나 현제는 Bank of America에서 서비스를 해주는 경우는 Countrywide를 통하여 신청해야 한다.
CHASE (WAMU,AMC은행 포함) 처럼 특별히 지정된 폼이 없는경우 Bank of America의 수입과 지출내역서http://www.bankofamerica.com/loansandhomes/financial-difficulty /worksheet.pdf를 프린트하여 꼼꼼히 적어 싸인한 다음 2달치의 월급 명세서와 4달치의 은행 거래 내역서, 작년도 세금 보고서와 왜 현제의 페이먼트를 계속하기가 어려운지를 자세히 적은 Hardship Letter를 준비한 다음 1-866-550-5705로 전화하면 WAMU,AMC나 CHAE은행으로 나누어 지역에 따라 어느곳으로 보내는지의 도움을 받을수 있다.
혼자서 모든 서류를 작성하거나 영문 작성이 어려운 분들을 위해서는 1-888-995-HOPE으로 전화하거나 http://www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm를 통하여 주거지에서 가장 가깝거나 한국어 서비스가 가능한 무료 도움센타를 추천받을수 있다.
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It is said that my grandpa [url=http://www.corporate-illusion.co.uk/goosecoats.asp]Canada Goose Jacket Sale[/url] is the military officer of Kuomintang, in Year 24 of the Republic of China graduate from the United States in Shanghai particularly, once did obeisance Ma Gong Yu, fringe of hair Su and various etc. for smelling a rhyme is a teacher.Grandpa from rise the number"a kiss son", once saw a painting that he drew in the home ever in childhood, fall of is this style of.His youth after early dying, someone says all because this number of his rises not goodly, unexpectedly his life portrayal-just on kissing but leading, in a twinkling and then elapsed fine scene. This Lin however of prediction, let me deeply think to quit, the heart heart reads if oneself also rises pen name in the days to come, affirmative must take an implied meaning longevity rich and honored.However this heart read and carry out to unexpectedly have a difficulty. N many year agos originally think of to be named "dark joss-stick Ying Xiu" while delivering a text under the banyan, originally because like that"east the hedge after chasing the wine evening have dark joss-stick Ying joss-stick", the person who unfortunately like this is getting tooer many, "is dark joss-stick Ying Xiu" incredibly has already been registered, can change to "cold Xiu Ying joss-stick", afterwards again feel"cold Xiu Ying joss-stick" is strange vulgar matchless, hence again simplify for"cold Xiu".Just two words in"cold Xiu", there isn't only no the implied meaning of longevity rich and honored, unexpectedly Be been partial to to single cold frivolity ……, however want well-known"road cold Xiu", then feel that the Dan is strong! The Yun expects to be four in month, the [url=http://www.theunitygym.co.uk/coatsoutlet.asp]basketball shoes[/url] in the book says to do prenatal influence, prenatal influence certainly from listenned to music to start, then was to tell a story, but most important of BE, did each time a , musted shout the childhood name of belly inside little baby to tell her/he. Childhood name-a think of this affair I make sorrow, don't know the baby's sex, how give she/does he take childhood name?!If call her beautiful, birth is a boy, don't make to smile;Again if call him small martial, unexpectedly is a girl, also very helpless. Hence in addition to starting listenning to prenatal influence music, across a belly petting she/he outside, would be to be occupied in taking a childhood name for baby. The childhood name musts be neuter gender of and use on girl don't show hard just, use not effeminate on boy;The rich and honored longevity becomes convention, unique and free from vulgarity and afraid too high cold;Shout to have to be loud and clear, benignity, writing can not living Pi again heavy of ……, rummaged Ci sea, all can not find a suitable words. Probably the that day has to think, the night has dream and has a sky evening, unexpectedly the dream arrives a countryside that is lean to work properly a handsome little baby boy to sit in the past to specially order to make it in the small bamboo chair to hurtle me for the kid to happily smile, while my in the mind know that he is me of kid, and be full of deep feeling, a voice ground to shout his"joy joy, enjoy joy ……". It is a cent in dawn to wake up, can not help in the heart dark sigh, "joy joy"-how unexpected childhood name, unexpectatively my kid, unexpectedly want to use a name of pet(this probably already indicate that after several years she often makes a bet after losing, always nowise lie bosom ground to say with smile:"I am to want to be a puppy, I am to like a puppy, Wang Wang Wang!"Admire)! Luckily this name meet all requests-use on girl don't show hard just, use not effeminate on boy;Since not become convention, also not too lead high cold;Shouting is loud and clear, warm, write and don't show to living Pi heavy ……, that so, call her happy happy!Hope from cradle to the grave she is all happy! From that dream after, the childhood name had, and I unexpectedly also made sure her sex unclearly!Although the in a dream is that one is lean to work properly handsome little boy, but I always feel that she should be a lean and delicately beautiful little girl-probably this is the mother miraculous sixth sense! Has been taken whetting of childhood name after doing and risen name scarcely fee what dint, on the [url=http://www.corporate-illusion.co.uk/goosecoats.asp]Canada Goose Online Outlet[/url] second day that she is born, "can Yan" two words then jumped however appeared in being born certificate. 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