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What is used to calculate the 31% for mortgage restructuring?

Posted by Bidadari Lembayung Senja 26 January, 2010 - 26 views

What is used to calculate the 31% for mortgage restructuring?
My actual mortgage payment is less than 31% of my monthly income, however, my mortgage plus escrow is greater than 31%. Which counts?

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Comments
January 26, 2010

It’s mortgage plus escrow.

All a restructure would do for you is reduce it to 31%. What percentage are you at right now? If it’s something like 34-35% you aren’t going to save much money in a restructure. Is it really unaffordable or are you just going to try to save a few bucks at the expense of your fellow Americans?

good luck!

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