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I need my payments lowerd
April 10, 2008
I would like to do a loan modification on my current loan. The reason for us falling behind is that my husband had a stroke (he is not on the loan) and we went through all of our savings and I was only working part time to care for him. He is now stable and I am back to work full time. My mortgage was $2000 a month and I tried to refi before it adjusted in Dec but the property values had gone down where I still would have owed 10,000 on my current loan. I would really love to lower my payments and keep my home.
Comments
I would like to modify my loan and lower my mortgage payment. I have gone up in debt and my tenant has not paid rent. It has been a difficult time for me. I tried speaking with someone at Wilshire and they said they do not have this program? What can I do? I am in Default for 1 payment behind. Please help
I am also going through a forclosure with Wilshire and have tried to work out something with them to stay in my house they are not willing to help, nor do they care. These people sit in their little cubilcles and do not give a Shit. I am a single parent with two kids and work full time. I fell behind on my payment with the birth on my second son. I would like to keep my house, but like many other people in this day and age will probably been thrown out on my ear.
What is wrong with the goverment these poor people are loosing homes because of this poorly unproffesional mortgage company (wilshire)Know Family should have to worry about loosing there home. Wilshire mortgage should be ashamed of them selfs forclosing peoples homes and not willing to help people stay in their homes I hope wilshire gets what they deserve for the way they treat otheres. We are in the process with several Lawyers to stop this company from lies and scams.This company will no longer be in buisness soon beleive me.
First of all Wilshire is not a Mortgage company, they are a loan servicer. Maybe you should do your research a little better before you go around slandering a company name. Also, I ask you Is if Wilshire's fault that you cannot make your mortgage payments? Maybe you should quit pointing fingers in other directions and start pointing them at yourselves. I understand people have fell on hard times in this crazy market, I have been there myself. However, I also know that it is not the loan companies faults for the situation I may be in. They are there to do their jobs. Also remember this, Wilshire did not force you to sign loan documents for a loan you probably could not have afforded in the first place. If you want to blame someone for that, again I say point the finger at yourselves. And seriously people start to take some responsibility for your own actions!!!!!!
They are horible. I have tried working with them for many months, since they never would work up a loan modification, I just sent in partial payments, but they stopped accepting them. I am now going to court ordered mediation, I hope that helps. I could afford the loan, and still can if they would just tack on the few payments I missed because of unforseen circumstances, to the end of my loan and give me a lower interest rate. No one forced my to sign the papers, but they really need to work with families to help them keep their homes.
I can afford my payments...NOW. Apparently I had the wool pulled over my eyes when I, like many, re-financed 2 years ago after finding my self in a poor situation, job loss. So, in rebuttle to Peggy's rant, in some cases it is accurate to point fingers in Wilshire's way. I did not CHOOSE to lose my job nor did I have any options when re-financing. My loan got sold to Wilshire and now they will not help out with interest rate or lowering payments. My interest will go up in one year and I'll be in the same boat as many other Americans. Peggy must work for Wilshire because I can not imagine any human being with a heart coming on this page just to insult people who are in unfortunate situations.
I agree with Brooke, shame on you Peggy.
I agree with Brooke as well, Peggy is a fat Whore.
How dare you talk to someone as if they are below you. Piggy Peggy, Piggy Peggy Piggy Peggy!!!!
How dare you talk to someone as if they are below you. Piggy Peggy, Piggy Peggy Piggy Peggy!!!!
is Wilshire owned by Merrilynch? and with this recent economical crisis right now what happens? Can i get my mortgate frozen now or lowered? since Merrilynch will be owned by Bank Of America?