Unfortunately, the majority of distressed homeowners do not qualify for Loan Modification Programs. Most struggling homeowners, as well as mortgage experts, are of the opinion that the US Government is still not well enough equipped and armed to fix the housing problems within the nation.
According to recent reports, it has been established that almost 4.6 million US homeowners have been late on their monthly mortgage payments at least twice and this fact should technically make them eligible for the government housing program or the Making Home Affordable plan.
However, the truth is that almost 80% of the struggling homeowners in the US are not able to qualify for the home loan modification programs. The recent Treasury Report says that just 90,000 homeowners actually qualified for a home loan modification.
The question arises as to why this kind of discrepancy when it comes to assisting troubled homeowners to get back on track with their monthly mortgage payments and forestall the chances of losing their home ownership rights to a foreclosure. What is the reason that a whopping 80% of homeowners are suffering due to non-qualification for the government flagship homeowner assistance programs?
An economist reflects on these poor statistics.. saying this clearly represents the totally inadequate goals of the government assistance program. He further says that if 90,000 homeowners are being helped by the program, this could also be done otherwise. How is this particular government program special?
Though President Barack Obama implemented the plan with enough pomp and valor, soon after it took effect, it lost all the fanfare and fell short of the goals. The critics are of the opinion that this particular plan was incorporated with very few people in mind and this is the reason so few people are getting help from the program.
Under the Making Home Affordable plan, homeowners do not need to be delinquent on their mortgage installments. They will qualify if they are at imminent risk of defaulting on their loans.
As so many struggling homeowners are not able to qualify for the government home loan modification program, the burning question is.. “why are these homeowners not able to qualify for the aforementioned plan”? They’re not able to qualify for a wide array of reasons including the kind of loan, and/or the specific property which the home loan applies to.
Rental properties, manufactured homes and home loans guaranteed by the Federal Housing Administration are not included in this program. Additionally, there are many borrowers who cannot get help, as their monthly mortgage installments are considered to be affordable irrespective of actual fact. Obviously, those borrowers who have already abandoned their property are ineligible for this program.
The lesson here is.. when you take out a home mortgage loan, you must be sure that you don’t take on a loan that is beyond your affordability. Determine your actual income and housing needs before considering the loan amount. This way you will be able to effortlessly repay the loan without having to opt for a loan modification or obtain a refinance loan.
Managing your finances properly will allow you to make the monthly payments on time, thus avoiding a lot of unnecessary financial stress.
Guest post courtesy of Valentina Allison. Valentina is a financial writer, specializing in writing articles on mortgage, real estate, financial markets, global financial situations, and other financial related topics.
She is associated with several online financial communities like www.mortgagefit.com, the worlds largest mortgage community.
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