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I do have a 2nd with Real Time resolution(RTR). Modified 1st and looks good till date but trying to negotiate with RTR now. There is little equity now and not sure how to approach them. I called and was told my property is in early stage of foreclosure(strange...RTR is 2nd). I don't mind to refi and pay them off but do not want to pay 100K. I received bill on a monthly basis that states the outstanding principal balance, monthly interest but no disclosure of accrued interest. RTR want me to fill Loss mitigation Application first. Any advise?
They aren't going to foreclose if there is no equity. They would have to pay off 1st mortgage to foreclose. I'm not sure I'd offer them much information.