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The only way I can keep my home is with a Loan Modification... is there any other way?
February 11, 2009
I can not afford my house payment due to reduced income and excessive obligations. I want to keep my home . I want to have some kind of workout or modification to reduce my payment.
Comments
I'm a realtor, I started working with my clients in December of 2008 they were behind on payments with Homecoming Bank. They could not do a modification. I listed their home as a Short Sale. We are now in escrow, and my clients are relieved that they are going to be out of this mess. I had to have a lot of patience with the bank, because they took a while to approve the Short Sale.
could you explain to me what a short sale is?
Thanks,
Realyn
Thanks,
Realyn
Lost my job in May 2009. Been working with Flagstar since then. Turned me over to a place called Sterling Modification. Same thing...send all these papers again.. Got a letter from Flagstar in Feb. 2010 that Sterling has gone out of business. Ha! They will handle it again. Got another letter this March 2010 that I don't qualify and don't show a hardship. I will. I'm 63, lost my job $90th, wife is retired and we owe more on the house than it is worthh. Flag star would not call me back and sent e-mail to talk to HUD etc. Yea, sure. Where did all my tax money go to bail out these banks?
I have been trying to work with Flagstar for 5 months through Loss Mitigation. I send papers, they say they're missing other papers, or it's not dated, or I didn't sign. They seem surprised when I point out that it's right there in front of them.
Supposedly I am suppose to get a call for a telephone interview. Can anyone tell me when it will happen? Of course not. Now they're telling me that all the papers are in but that it has to go to review to see if all the papers are in. Hello, you just told me that everything is in. Now that it's approaching 90 days they need everything filled out again. You can never get a supervisor or anyone that knows anything only little Miss or mr customer service. They don't care if you lose your house because they get more money if you do. What can we do.
A friend of mine is working with Wells Fargo here in Vegas. Since they wree under the microscope they changed their practices and things are a heck of a lot easier for them than me.
Let's get them investigated!
Supposedly I am suppose to get a call for a telephone interview. Can anyone tell me when it will happen? Of course not. Now they're telling me that all the papers are in but that it has to go to review to see if all the papers are in. Hello, you just told me that everything is in. Now that it's approaching 90 days they need everything filled out again. You can never get a supervisor or anyone that knows anything only little Miss or mr customer service. They don't care if you lose your house because they get more money if you do. What can we do.
A friend of mine is working with Wells Fargo here in Vegas. Since they wree under the microscope they changed their practices and things are a heck of a lot easier for them than me.
Let's get them investigated!
PLEASE CONTACT ME I HAVE INFORMATION ON THE CLASS ACTION LAWSUIT AGAINST FLAGSTAR.