Good Afternoon..
We are hoping you can assist us in regards to our home modification dilemma. We original submitted the application and financial documentation in June 2009, we were told they Home Affordable Modification Computer Program was not installed and we would have to wait for that to be completed. We resubmitted our application and financial information and were told the negotiator would call us once he/she started working on our file. In August my husband was laid off from work, then two weeks later I was laid off from work. I found a job a week later, but my husband is still unemployed. We called into the mortgage company explaining we needed to move quickly on the modification and that our financial circumstances had changed. What documentation is needed at this point? We called twice and both times were told when the negotiator calls us to let him/her know of our changes and that the negotiator will tell us what we should submit. October 2009 we received a call from the negotiator, she had questions. We told her of our new hardship and was told to submit our new financial documentation, during the call I told her our new monthly income amount, which she confirmed we would qualify for the H. A.M. P program thru the Obama administration. We submitted our new documents that night and called the following day. We were told we were denied. When we asked why we were told the negotiator used our old documentation (before we were laid off) and sent our paperwork to a new negotiator in the modification dept in-house. We sent several faxes requesting we be transferred back to the Home affordable modification dept due to the stricter guidelines the mortgage modification holds. Long story short...it is seven months now and we still do not have an answer as to where our file is, and each time we call to find out the status of the modification we are told our file was transferred to a new negotiator. We tried to get this done before we would be unable to pay our mortgage on time and because of the delay on the mortgage companies part, we have not fallen behind our payments (we were never late on our mortgage payment until September) and it has hurt our credit tremendously. We were watching the news last week and saw a couple who was in a similar situation and during the broadcast they stated we could contact our state representative for assistance. We had also contacted a HUD representative to speak on our behalf three weeks ago, as well as contacted our state representative and the Florida Attorneys Saving Homes project but even that has not helped our situation. THE MORTGAGE COMPANY IS SO BIG, I GUESS THEY BELIEVE THEY ARE INVINCIBLE AND DO NOT NEED TO COMPLY TO OBAMAS PLAN. When ever we called in to check the status of our modification and was told they needed additional documentation, it was sent within 24 hrs or less. We have all our faxes and fax confirmation log sheets to show all documents were sent in as requested. Which we were told several times, that they did not receive the documents requested. Can someone please help us, what do we need to do to ensure we don’t lose our house? At this point we are two months behind and don't know how we will be able to make our next payment. Our contact information is below. Please call us with any assistance or information to help us get this ordeal behind us.
Sincerely,
Jerry & Eden
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