Discover how UCMA helped a homeowner overcome $23,000 delinquency with Planet Home Lending. Learn how our persistence secured a VA Loan Modification after denial.

🏠 From Delinquency to Relief: A Planet Home Lending Case Study

When this client came to United Capital Mortgage Assistance (UCMA), he was nearly $23,000 delinquent on his mortgage with Planet Home Lending. His monthly payment was $1,699.85, including taxes and insurance, and the fear of foreclosure was weighing heavily on him.

📑 Step 1: Qualification & Loan Modification Package

• UCMA reviewed his situation and determined he could qualify for a VA Loan Modification.
• We assisted him in completing all required paperwork.
• All necessary documents were collected and forwarded to Planet Home Lending as part of a full loan modification package.
• Throughout the process, we kept the homeowner informed with regular updates.

📞 Step 2: Initial Denial

Despite the thorough preparation, Planet Home Lending denied the homeowner for any type of workout arrangement. For many, this would have been the end of the road—but UCMA doesn’t stop at “no.”

✉️ Step 3: Appeal & Persistence

Believing strongly that the homeowner qualified, UCMA drafted a formal appeal letter on his behalf.

• The homeowner signed the appeal.
• We submitted the appeal with updated client information.
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• Within 30 days, Planet Home Lending reversed their decision and approved the VA Loan Modification.

💡 Step 4: The Outcome

• $23,335.03 was placed on the back of the loan.
• The monthly payment increased slightly to $1,764.68.
• The homeowner expressed deep gratitude for UCMA’s persistence and dedication—even after the initial denial.

If you’re facing mortgage delinquency or have been denied a loan modification, UCMA can help. 👉  Contact UCMA – Apply Online or call 1-800-474-1407 today to speak with our team of experts.