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The problem is, a lot of the tips that parade as little-known tricks that will make your life infinitely better aren’t really hacks. In fact, they often end up being more trouble than they’re worth, especially if they involve a high-effort project for a low-impact problem.
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We’re not financial experts, and obviously we’ve never tried to get a mortgage. We tried to do it right. From the very beginning, we asked and asked when we could lock our interest rate. Our loan officer never explained the process to us, never gave us any guidance (and now we know we weren’t asking the right questions).
Your 2nd and 3rd mortgage probably will never foreclose, simply because they would need to pay off the 1st mortgage also. Thats the strategy I’ve been using and have been back and forth with the second mortgage holder to settle. Here are the steps I would try: 1. Offer to settle your 2nd and 3rd mortgage for 10% of the balance. If they accept.