It doesn’t mean the borrower can’t get the loan, if it still makes sense; they just have to go through the counseling again to make sure they again understand the program. If there has been a change in your area or a life change with the original borrowers, it may make sense to look into a refinance.

If i blew my creditibilty why are member still asking for my help.The reason they are asking because i had great success settling my own debts.I like to see you post your success story on settling debts.

I'll believe that when I see some writing in to back up your story average joe.
You blew your credibility weeks ago.

fightback,

Everyone on here is smarter then you.I am not aware of people changing their usernames but i can tell you one thing; there a lot of members on here are glad i helped them settle their debts.

There are some people on here smarter than me for sure but you're not one of them average joe.
Other thing is I don't run for cover and change my user name like"ladyincredit" who is now Danielbl and next week will probably change it again.
Like I said noknowledge got you two figured out.

fightback,

There is nothing to figure out; you hate the fact there are people on here that are smarter then you.

O c'mon, Fightback, take that picture of Richard C. down from your fireplace. And hand over the one in your wallet too. That's an order!

way to go noknowledge you have got those two figured out.

I hate to disappoint you but that's a job I used to do for the banks. We couldn't always give them the value they were seeking to approve a mortgage.

The problem is that the lender's agent who approves the loan is often transferred or gone by the time the loan goes sour. It's the appraiser who has to pay malpractice insurance, sign off on the appraisal and who could get sued by the bank for negligence after foreclosure.

Based on the incongruity of your initial post, your reply, and the fact that you display no actual interest in addressing its financial aspects, I gotta wonder if your post was, in fact, "baiting."

After I posted my last comments my friend sitting next to me said "Ignore the people like him, they have nothing important to do, waiting someone like you to post so they can jump and answer with a tone to make themselves look good, and there will be bunch of "Johns" (Joe in this case) will suck up to them- ha-ha-ha!!