1. Not enough equity in your home to refinance. When you purchase, your Realtor and mortgage originator told you that you can refinance six months to one year down the road even though you purchase at fair market value.

2. Mortgage company will not grant a workout if you don't have any income coming in.

3. You don't have enough income or your income cannot be verified.

4. Your mortgage company will not accept legal fees below what they require you to pay.

5. If you abandon your home, your mortgage company will not grant you a workout.

6 Your loss mitigation department make it impossible for you to deal with them. Some representatives take these cases personal and don't understand this could be them.

7. Your loss mitigation department advising you there is not enough time to process your case. This is not true, they just don't want to work it.

8. Your loss mitigation department refers you to the foreclosure attorney knowing the only thing they can do is to take the re-instatement money which you don't have. They don't make arrangements.

9. No legitimate reason for the hardship. Mismanage of money is not a good reason.

These tips will help you understand why you are getting the run around from your mortgage lender. If you are considering a workout, use this tips to revise your plan of attact. It's what you know that will save your home.

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