Comments on: Loan modifications and the HOPE program – Is it working? http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/ Your guide to loan modification News Thu, 18 Mar 2010 15:47:29 -0700 http://wordpress.org/?v=2.8.4 hourly 1 By: CONNIE TYSINGER http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-473 CONNIE TYSINGER Mon, 07 Sep 2009 22:20:28 +0000 http://loanmodificationexplosion.com/?p=414#comment-473 I FILLED OUT All the papers they needed to do something. i hate to see anything happen to the hose i left it in excellent shape. I FILLED OUT All the papers they needed to do something. i hate to see anything happen to the hose i left it in excellent shape.

]]> By: CONNIE TYSINGER http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-472 CONNIE TYSINGER Mon, 07 Sep 2009 22:18:27 +0000 http://loanmodificationexplosion.com/?p=414#comment-472 I WAS WITH COUNTRYWIDE NO GOOD FOR NOTHING COMPANY. I WANTED TO GET MY HOME REMODIFIED OR GET HELP ON THE PAYMENTS TO KEEP FROM MOVING OUT. I SENT ALL THE PAPERS THEY ASKED FOR STILL COULDNT GET ANY HELP.NO ONE WILL NOT EVEN CALL ME TO DISCUSS SITUATION, THEY GOT ALL THE PAPERS BECAUSE BI SENT THEM CERTIFIED.I AM NOT GOING TO BE RESPONBLIE FOR THYE HOUSE ANY LONGER. I HAVE MOVED OUT.I HAVE ALL PAPERS SENT ALL EMAILS ALL CALLS. COUNTRYWIDE AND BANKOF AMERICA ARE NO GOOD. YOU WOULD THYINK THEY WOULD TRY TO HELP YOU STAY IN THE HOUSE VERSES LEAVING IT WHICH I HAVE DONE.AGAIN IF YOU CANT HELP ME GO AHEAD AND START FORECLOUSER I HAVE ALREADY ADDRESSED THIS ONE TIME. PLEASE DO WHAT YOU HALF TO DO NOW. I WAS WITH COUNTRYWIDE NO GOOD FOR NOTHING COMPANY. I WANTED TO GET MY HOME REMODIFIED OR GET HELP ON THE PAYMENTS TO KEEP FROM MOVING OUT. I SENT ALL THE PAPERS THEY ASKED FOR STILL COULDNT GET ANY HELP.NO ONE WILL NOT EVEN CALL ME TO DISCUSS SITUATION, THEY GOT ALL THE PAPERS BECAUSE BI SENT THEM CERTIFIED.I AM NOT GOING TO BE RESPONBLIE FOR THYE HOUSE ANY LONGER. I HAVE MOVED OUT.I HAVE ALL PAPERS SENT ALL EMAILS ALL CALLS. COUNTRYWIDE AND BANKOF AMERICA ARE NO GOOD. YOU WOULD THYINK THEY WOULD TRY TO HELP YOU STAY IN THE HOUSE VERSES LEAVING IT WHICH I HAVE DONE.AGAIN IF YOU CANT HELP ME GO AHEAD AND START FORECLOUSER I HAVE ALREADY ADDRESSED THIS ONE TIME. PLEASE DO WHAT YOU HALF TO DO NOW.

]]> By: van nguyen http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-470 van nguyen Mon, 07 Sep 2009 15:56:55 +0000 http://loanmodificationexplosion.com/?p=414#comment-470 Hi! Shelby I have been trying to modify my loan with Indymac Bank twice and twice I was declined. My husband cut hours working and me too, now i can not afford pay for the mortgage. I need help can you help me what i can do now. I so tired up and so sad , i want to keep this house . Please help us out. Thanks so much Hi! Shelby
I have been trying to modify my loan with Indymac Bank twice and twice I was declined. My husband cut hours working and me too, now i can not afford pay for the mortgage. I need help can you help me what i can do now. I so tired up and so sad , i want to keep this house . Please help us out. Thanks so much

]]> By: Rockon http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-450 Rockon Tue, 01 Sep 2009 06:04:27 +0000 http://loanmodificationexplosion.com/?p=414#comment-450 I have tried twice, to get assistance from my current lender to modify my loan. And twice I was declined.I Agree with u.I respect your work and added blog to favorites. I have tried twice, to get assistance from my current lender to modify my loan. And twice I was declined.I Agree with u.I respect your work and added blog to favorites.

]]> By: Sharon Fusco http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-440 Sharon Fusco Sat, 29 Aug 2009 22:27:10 +0000 http://loanmodificationexplosion.com/?p=414#comment-440 Shelby, I have been on line trying to help a friend whom is trying to refinance w/ Wells Fargo, they are jerking her around. I don't own a home, however, I am appalled by what I have found out about these institutions whom received money the help homeowners refinance. The results from the Federal Reserve Bank of Boston inquary, showing that these institutions would rather foreclose than refinance is a travisty. Give the money to the homeowner to help him/her to perhaps put into an interest bearing adcount to pay his monthly premium to keep his/her home. Or somehow help the homeowner with a different program.............this one is not working! I don't think our President and his aids are living in the real world. His Health reform is not going to help the disabled and seniors on Medicare either. What have we done voting the democrats into office. All their reform is not working. Where will we be in four year from now. No homes to live in and no health care for our older/disabled population. Did we work all our lives to be displaced, we need reform now! Shelby, I have been on line trying to help a friend whom is trying to refinance w/ Wells Fargo, they are jerking her around. I don’t own a home, however, I am appalled by what I have found out about these institutions whom received money the help homeowners refinance. The results from the Federal Reserve Bank of Boston inquary, showing that these institutions would rather foreclose than refinance is a travisty. Give the money to the homeowner to help him/her to perhaps put into an interest bearing adcount to pay his monthly premium to keep his/her home. Or somehow help the homeowner with a different program………….this one is not working! I don’t think our President and his aids are living in the real world. His Health reform is not going to help the disabled and seniors on Medicare either. What have we done voting the democrats into office. All their reform is not working. Where will we be in four year from now. No homes to live in and no health care for our older/disabled population. Did we work all our lives to be displaced, we need reform now!

]]> By: charlotte Roges http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-438 charlotte Roges Sat, 29 Aug 2009 20:09:40 +0000 http://loanmodificationexplosion.com/?p=414#comment-438 Im trying to modfiy with EMC, what a joke there has been 4 phone calls to try to set this up , everytime its always somethingnw they need to verfy, then i get calls fom a person they say they are trying to collect for emc i say im working wih a guy i give th name and its Da ok//Im so sick of emc i just want to get my mortgage in the blk and go on butthey will not work wih me or any of us isnt there a class action suit SOMEWHERE/// A law firm could make alot of monies thu one of these yes its alot of work but well worth it in th long run, I wait each day for my daily call from the jerks and so begins another week of bull. Im trying to modfiy with EMC, what a joke there has been 4 phone calls to try to set this up , everytime its always somethingnw they need to verfy, then i get calls fom a person they say they are trying to collect for emc i say im working wih a guy i give th name and its Da ok//Im so sick of emc i just want to get my mortgage in the blk and go on butthey will not work wih me or any of us isnt there a class action suit SOMEWHERE/// A law firm could make alot of monies thu one of these yes its alot of work but well worth it in th long run, I wait each day for my daily call from the jerks and so begins another week of bull.

]]> By: Arsento http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-426 Arsento Sat, 22 Aug 2009 22:56:43 +0000 http://loanmodificationexplosion.com/?p=414#comment-426 I liked it. So much useful material. I read with great interest. I liked it. So much useful material. I read with great interest.

]]> By: ROBIN REEDER http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-415 ROBIN REEDER Tue, 18 Aug 2009 13:13:31 +0000 http://loanmodificationexplosion.com/?p=414#comment-415 My husband was recently diagnosed with throat cancer and not able to work the usual 40 hours now or anytime soon. No disability at his job either. We are barely skating by and is harder and harder each month. We can't even save a dime for escrow or pay any of the mounting medical bills. Please help us out. Thanks so much, Robin and Jamie Reeder My husband was recently diagnosed with throat cancer and not able to work the usual 40 hours now or anytime soon. No disability at his job either. We are barely skating by and is harder and harder each month. We can’t even save a dime for escrow or pay any of the mounting medical bills. Please help us out. Thanks so much, Robin and Jamie Reeder

]]> By: Chico Redicks http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-414 Chico Redicks Tue, 18 Aug 2009 00:07:18 +0000 http://loanmodificationexplosion.com/?p=414#comment-414 I have been trying to modify my loan in Maryland since the modification started with Bank of America. I qualify for the modification, however, the bank does not want to give it to me. I agree with you. The $75 billion funding should be used to make low interest loans directly to those in trouble, rather than directly to the banks. I have excellent credit which is now in jeopardy. As a small businessman, business is almost nonexistance. I have been trying to modify my loan in Maryland since the modification started with Bank of America. I qualify for the modification, however, the bank does not want to give it to me. I agree with you. The $75 billion funding should be used to make low interest loans directly to those in trouble, rather than directly to the banks. I have excellent credit which is now in jeopardy. As a small businessman, business is almost nonexistance.

]]> By: John http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-387 John Tue, 11 Aug 2009 22:43:31 +0000 http://loanmodificationexplosion.com/?p=414#comment-387 I read a few topics. I respect your work and added blog to favorites. I read a few topics. I respect your work and added blog to favorites.

]]> By: donna amanovic http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-372 donna amanovic Thu, 06 Aug 2009 16:27:56 +0000 http://loanmodificationexplosion.com/?p=414#comment-372 Hi Shelby, I completely agree with what you are say. I have a negative amoritization loan and I have been trying to modify my home since January with Chase WAMU and I keep getting excuse after excuse. I don't know what to do anymore; I can't afford an attorney they want $5,000 to help me modify my loan- I don't have it; does having an attorney really help? Please let me know your thoughts. I am so upset and confused. Donna Hi Shelby,
I completely agree with what you are say. I have a negative amoritization loan and I have been trying to modify my home since January with Chase WAMU and I keep getting excuse after excuse. I don’t know what to do anymore; I can’t afford an attorney they want $5,000 to help me modify my loan- I don’t have it; does having an attorney really help? Please let me know your thoughts. I am so upset and confused.
Donna

]]> By: LEA B. AGUILAR http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-369 LEA B. AGUILAR Thu, 06 Aug 2009 03:44:27 +0000 http://loanmodificationexplosion.com/?p=414#comment-369 <blockquote cite="#commentbody-367"> <strong><a href="#comment-367" rel="nofollow">LEA B. AGUILAR</a> :</strong> WE HAVE BEEN WORKING WITH CHASE SINCE FEB.10, 2009 TOWARDS A LOAN MODIFICATION AND THEY TOLD US NOT TO MAKE ANY PAYMENTS UNTIL THE MODIFICATION WENT THOUGH. BUT ON MAY 29, WE RECEIVED A LETTER STATING THAT WE WERE DENIED AND THEY GAVE US A FORBEARANCE PERIOD FOR THREE MONTHS. JUNE 5 – $1,441.38 JULY 1, $1,441.38 AUGUST 1 – 1,441.38 ALL WERE PAID. AFTER THE FORBEARANCE PERIOD ENDS REGULAR PAYMENTS WILL BECOME DUE IN ADDITION TO PAYMENTS, FEES AND/ OR CHARGES. I CALLED MALCRISSA STEWART ( SHE TOLD ME THAT THREE MONTHS WAS ENOUGH TIME FOR OUR INCOME TO IMPROVE – WHAT ARE WE SUPPOSE TO DO HIT THE LOTTO OR GO HUNGRY. HOPE PROGRAM IS OF NO HELP THEY JUST TAKE THE GOVERNMENT MONEY AND THEY WILL NOT HELP YOU – NO MATTER HOW MANY TIMES YOU CALL THEM. $75 BILLION WHAT AN INJUSTICE. WHAT HAPPEN TO THE PROMISES OF THE AMERICA DREAM TO OWN YOUR HOME – HOW SAD NOTHING BUT GREED FROM THOSE BIG BANKS AND GETTING AWAY WITH IT. I LOST CONFIDENCE IN OUR PRESIDENT, SORRY I VOTED FOR HIM. 8 MEMBERS OF OUR FAMILY ARE GOING TO BE HOMELESS. LEA B. AGUILAR </blockquote>

LEA B. AGUILAR :
WE HAVE BEEN WORKING WITH CHASE SINCE FEB.10, 2009 TOWARDS A LOAN MODIFICATION AND THEY TOLD US NOT TO MAKE ANY PAYMENTS UNTIL THE MODIFICATION WENT THOUGH. BUT ON MAY 29, WE RECEIVED A LETTER STATING THAT WE WERE DENIED AND THEY GAVE US A FORBEARANCE PERIOD FOR THREE MONTHS. JUNE 5 – $1,441.38 JULY 1, $1,441.38 AUGUST 1 – 1,441.38 ALL WERE PAID. AFTER THE FORBEARANCE PERIOD ENDS REGULAR PAYMENTS WILL BECOME DUE IN ADDITION TO PAYMENTS, FEES AND/ OR CHARGES. I CALLED MALCRISSA STEWART ( SHE TOLD ME THAT THREE MONTHS WAS ENOUGH TIME FOR OUR INCOME TO IMPROVE – WHAT ARE WE SUPPOSE TO DO HIT THE LOTTO OR GO HUNGRY. HOPE PROGRAM IS OF NO HELP THEY JUST TAKE THE GOVERNMENT MONEY AND THEY WILL NOT HELP YOU – NO MATTER HOW MANY TIMES YOU CALL THEM. $75 BILLION WHAT AN INJUSTICE. WHAT HAPPEN TO THE PROMISES OF THE AMERICA DREAM TO OWN YOUR HOME – HOW SAD NOTHING BUT GREED FROM THOSE BIG BANKS AND GETTING AWAY WITH IT. I LOST CONFIDENCE IN OUR PRESIDENT, SORRY I VOTED FOR HIM. 8 MEMBERS OF OUR FAMILY ARE GOING TO BE HOMELESS. LEA B. AGUILAR

]]> By: D.E.Baron http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-366 D.E.Baron Wed, 05 Aug 2009 20:16:03 +0000 http://loanmodificationexplosion.com/?p=414#comment-366 You have just described my situation to a "T". I have some amount of equity left in my home, unlike many others. The bank is deliberately trying to foreclose - turned me down for the modification by fudging my income and mortgage figures (ex: they left the PMI off the mortgage amount even though its required, and used the business gross before operational expenses - the IRS doesn't even do that!.) Now they route my calls to a recording saying they are closed so I can't make a payment by phone and locked me out online so I can't make a payment there either. I'm at a total loss as to what to do - I've emailed and/or called everyone I can think of from the White House on down, filed complaints with the FTC, Fannie Mae, Dept. of Financial Institutions, etc. Who in their right mind ever thought that the banking industry would actually cooperate with this program when they have every incentive not to? You have just described my situation to a “T”. I have some amount of equity left in my home, unlike many others. The bank is deliberately trying to foreclose – turned me down for the modification by fudging my income and mortgage figures (ex: they left the PMI off the mortgage amount even though its required, and used the business gross before operational expenses – the IRS doesn’t even do that!.) Now they route my calls to a recording saying they are closed so I can’t make a payment by phone and locked me out online so I can’t make a payment there either. I’m at a total loss as to what to do – I’ve emailed and/or called everyone I can think of from the White House on down, filed complaints with the FTC, Fannie Mae, Dept. of Financial Institutions, etc. Who in their right mind ever thought that the banking industry would actually cooperate with this program when they have every incentive not to?

]]> By: Melissa http://loanmodificationexplosion.com/2009/08/loan-modifications-and-the-hope-program-is-it-working/comment-page-1/#comment-364 Melissa Wed, 05 Aug 2009 18:20:57 +0000 http://loanmodificationexplosion.com/?p=414#comment-364 I agree. I have tried twice, to get assistance from my current lender to modify my loan. And twice I was declined. My husband lost his job and I can't get help because my income doesn't cover my debt!!! Wow, maybe that's why I was asking for HELP!!! I think President Obama should just send money to the people who really need it, instead of giving the money to the businesses who are finding loop holes to keep the money for themselves!!! I agree. I have tried twice, to get assistance from my current lender to modify my loan. And twice I was declined. My husband lost his job and I can’t get help because my income doesn’t cover my debt!!! Wow, maybe that’s why I was asking for HELP!!! I think President Obama should just send money to the people who really need it, instead of giving the money to the businesses who are finding loop holes to keep the money for themselves!!!

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