To Whom It May Concern:
I have recently been trying to Short Sale my house and despite Obama’s hard work to aid consumers in preventing foreclosures, Chase has done everything possible to make sure this doesn’t happen. I, just like millions of others, purchased my home with the American dream of refinancing at the climbing home values. I even pulled money out of my savings to work on the house and raise the value even more. Then all of the sudden, the economy hit me hard. To make matters worse, I am a real estate agent, so when the economy fell, so did my income. I am trying to short sale my home now for a fair market value. I have the buyer and everything has gone smoothly. The first mortgage, of course, has been extremely helpful in moving this process along quickly. The second mortgage is unfortunately with Chase Banks. They have been my demise. The negotiator has been completely rude, condescending and down right unwilling to help me or compromise on anything. They asked for $35,000 cash! That is above and beyond the $3000 the first lender was going to give them and $1000 from the Obama Housing Plan program. If I had $35,000 cash, I definitely would not be in the situation I am in now. Chase has told me things like, “You Realtors are making way too much money on these transactions, I think you should be willing to give up your commissions to make it up!” Also, “You had no problems spending the money from your equity line, you should have no problems paying it back.” And to top it all off, “I could care less if we don’t get a dime from this transaction; we’ve already charged it off!” To make matters worse, Chase is the one lender that prides themselves on their willingness to help their clients during this short sale process! They even have a whole webpage dedicated to showing how much they are here to help! The website is https://www.chase.com/chf/mortgage/keeping-your-home. I am seriously shocked at the fact that I can be victimized in this way when all I am trying to do is avoid foreclosure like everyone else! I have done everything possible to make this work, and so has the buyer on the transaction. I cannot ask the buyer to come up anymore on price and am now at a loss of what I can do. I need someone to know how unfairly I have been treated and am now going to have to face foreclosure because of it! Chase portrays an image of wanting to help, yet when I needed them, they laughed in my face. How are we ever going to survive this economy when the resources we think we have turn their backs on us?
Thank you for your time in hearing in,
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