{"id":92,"date":"2018-11-12T10:14:05","date_gmt":"2018-11-12T10:14:05","guid":{"rendered":"http:\/\/mortgagemodificationri.com\/blog\/?p=92"},"modified":"2019-02-05T03:21:11","modified_gmt":"2019-02-05T03:21:11","slug":"mortgage-modification-and-future-mortgages","status":"publish","type":"post","link":"http:\/\/mortgagemodificationri.com\/blog\/2018\/11\/12\/mortgage-modification-and-future-mortgages\/","title":{"rendered":"Will a Mortgage Modification Affect a Future Mortgage?"},"content":{"rendered":"<p>A homeowner who is interested in applying for a <a href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/09\/18\/what-is-a-mortgage-modification\/\">mortgage modification<\/a> may wonder if receiving a <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-mortgage-loan-modification-en-269\/\">mortgage modification<\/a> will affect the homeowner\u2019s chances of getting a future mortgage on a different property. Each company has unique guidelines and criteria as to what is considered when applying for a new mortgage, but generally, there are a few factors to know if the new mortgage may be affected or not.<\/p>\n<p>One factor is time. If one year has passed since the mortgage modification, and the new loan is for a different property, the new mortgage likely will not be affected by a previous modification. &nbsp;Another factor is if the mortgage modification was reported, and how it was reported. If it was not reported, then it will not show up on a <a href=\"https:\/\/www.usa.gov\/credit-reports\">credit report<\/a>, and may not affect a future mortgage.<\/p>\n\n\n<h2 class=\"wp-block-heading\">The Mortgage Modification Center<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\nMortgage modifications are a great tool to help homeowners be able to afford to stay in the homes. If you are experiencing a hardship and considering a mortgage modification, please reach out to the <a href=\"http:\/\/mortgagemodificationri.com\/\">Mortgage Modification Center<\/a> at (401) 467-7998. <a href=\"https:\/\/www.law-ri.com\/\">Attorney John S. Simonian<\/a> offers a free initial consultation to discuss your options.\n\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A homeowner who is interested in applying for a mortgage modification may wonder if receiving a mortgage modification will affect the homeowner\u2019s chances of getting a future mortgage on a different property. Each company has unique guidelines and criteria as &hellip;<a class=\"rm\" href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/11\/12\/mortgage-modification-and-future-mortgages\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":258,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[60,3],"tags":[28,4,30,6],"class_list":["post-92","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-modification","category-mortgage-modification","tag-mortgage","tag-mortgage-modification","tag-rhode-island-attorney","tag-rhode-island-mortgage-modification"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage Modification and Future Mortgage &#8226; Mortgage Modifications &#8226; RI<\/title>\n<meta name=\"description\" content=\"Wondering if a mortgage modification can affect your ability to get a new mortgage in the future? 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