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Because attorney fees and costs incurred in the foreclosure process are legitimate expenses that are typically chargeable to borrowers, and the Treasury guidelines preclude requiring the borrower to make any up-front cash contribution, VA will allow capitalization of foreclosure expenses in any HAMP-style modification.

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Swift Action is Vital to Mounting an Effective Foreclosure Defense Foreclosure Defense Have you defaulted on your mortgage? Are you behind on your association fees? If you’ve been served with a foreclosure lawsuit, it is important that you hire an experienced attorney to defend your rights and fight to keep a roof over your family’s [.]

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Find out if your servicer offers HAMP. The HAMP website lists all servicers that are part of the program. tell your mortgage company you want to apply for a HAMP loan.They will mail you a package that should include 2 form. . You can also get the forms online