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SPS Loan Modification

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SPS Loan Modification

After Citi Financial sold my parents mortgage back in 2016, We have been with SPS servicing and planning to do a Mortgage Modification, How is the process?, any recommendations? 

 

How are my chances?

 

(The house belongs to my parents so the fico scores you see are mine, not from them)


Starting Score: EX: 713 EQ: 698
Current Score: TU: 743 EQ: 752 EX: 747
Goal Score: 775





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