I need a Loan Modification to help us with Option One

I have had similar problems with Option One and they are very difficult to reach, would love to find out who else is having difficulty out there, maybe something can be done?

I have the same problem with Option One.Adjustable mortgage that change and change every 6 month. I have use all my savings and have no more money to pay.I have call them many times but they transfer my call from representative to representative whit out any answers!

well, countrywide is the same way. It seems that although bush approved this program, nobody is doing it. I've applied for the rate freeze 3 times and each time they tell me I don't qualify. well if I qualified for the load to begin with, why don't I NOW! Dumb!

Option One is the worst... they are in India and they are liars.. I'm trying to find someone to take my loan from them. I do not like them. Do you have any leanders willing to take over their loans?

i have been trying to work with them also they play games my husband lost his job , we are trying to work with them and compile to every thing they want all we are asking for is a modification also.

i have similar problems with option one we bought our house 2 yrs. ago they promissed we could refi before the interest rate went up, my husband got burned and was in the hospital for 3 months he was self employed so we didn't get workmens comp. i tried to talk to option one about it but they don't speak english and are very rude now were facing foreclosure

I agree with you all Option One is truly the worst. Fell behind after being laid off of second full time job due to the economic slow down and out six months without pay on my primary job due to a neck injury. Option One finally replied with an offer that raised my mortgage by 1,200 dollars and said take it or leave it. I offered to pay 10,000 now and another 7,000 in July which would have left late fees and their bogus attorney fees, Option ones reply we can't help you

I agree with you all. I too had a ARM and it reset and now I cannot afford my payments. My husband left and I have two small children at home. I called to see if I can get a loan modification and instead they wanted they wanted me to reinstatment my loan and I would had to have pay 4000.00 up front and my payments would be 1320.00 for the next 6 months!! Well, I told them if I had that kind of cash my payments would not have got behind. So I sent in all documents they required for a loan modification and lets see if I gets approved. If I dont, I think I am going to seek some advice from a lawayer.

HAS ANYONE GOTTEN ANY HELP? IF SO WHERE? THANK YOU.

OH MY GOD!!!!! THEY WILL NOT HELP ANYONE!!!! WE WENT THROUGH THE SAME THING AND NOW SOME BANK( NOT OPTION ONE BECAUSE THEY SOLD THE LOAN WHEN IT WENT BAD TO SOME ONE ELSE) WELL NOW THEY HAVE ANOTHER PIECE OF REAL ESTATE THAT THEY CANT GET RID OF!!!!! IT WENT TO AUCTION AND NOONE TOOK THE BATE, AND NOW WITH THE HOLE THE COUNTRY IS IN THE HOUSE WILL SIT THERE AND ROT. ITS AHAME THAT NOONE WOULD HELP US AND WE HAD TO LOOSE OUR FAMILY HOME THAT WE LOVED BUT YA KNOW WHAT ITS JUST A HOUSE YOU CAN MAKE MEMORIES ANYWHERE. IT JUST GOES TO SHOW YA HOW GREEDY THESE BANKS ARE. i AM SURE THEY ALL SLEEP WELL AT NIGHT KNOWING THAT THEIR BIG FAT BONUS CHECKS ARE COMMING FOR CHRISTMAS WHILE ALL OF US HARD WORKING PEOPLE WHO LOST OUR HOUSES AND ARE TRYING TO PUT FOOD ON THE TABLE ARE TRYING THE BEST WE CAN I AM SO SICK OF THESE PEOPLE TAKING ADVANTAGE OF THE AMERICIAN PEOPLE THAT WORK HARD. AND THEY RUN OFF TO GET THEIR STUPIP FEET PAMPERED ON OUR TAX DOLLARS...... IAM SICK SICK SICK!!!!

I was with option one and my loan was sold to american home mortgage service and I did get a loan modification through them. I was in foreclosure. My payments went from 787.00 to 436.00. So dont give up. There are alot of programs that should be able to help. Try hud.gov