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Old 06-08-10, 11:35 AM
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So I reapplied for assitance from the mortgage company at the end of Jan. They say it takes up to 30 days for review. I called them last month and was told they recieve my info May 10th and should expect to hear from someone by June 10th. I thought it was wierd that it took so long for them to get it.
 
I saw the light at the end of the tunnel when she mentioned Obama passed this thing for FHA loans to lower our payments back in Decemeber. I was impatient so I called again today and was told they closed it back in March b/c apprentently someone was trying to reach me and couldnt. WTF! Are you fing kidding me?! I was furious! If it was closed in March, WTF was that about from my last phone call. DH has been on disability since March and now have to go through this BS all over again! Were already 3 months behind and need to show were trying to pay something...I get that, but thats why I need the assitance b/c we cannot afford it! ARGH...im livid right now! I hate this!!!!!!!
 
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Old 06-08-10, 01:34 PM
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Have you thought about going to a lawyer to handle this for you? You shouldn't pay ANYTHING up front, but lots of lawyers will fight to help you reneogtiate your loan. We went to a lawyer and they negotiated for us to pay half our mortgage for six months and then dropped our interest rate. We were able to pay and weren't behind, so that didn't do as much for us. I highly recommend making a few calls and seeing if this might be an option for you. Mortgage companies are much more likely to deal with a lawyer than with you. The money that we didn't pay for the 6 months was reworked in to the loan, but at least we got to save that money for six months! Just make sure you don't pay anything up front and it is a reputable company.
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Thank you Mark'sbabygirl!
DanieH (06-08-10)
 
Old 06-08-10, 01:56 PM
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I believe we saw a bankruptcy lawyer last year and they couldnt do anything for us.
 
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Old 06-13-10, 01:54 PM
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Not to sound harsh or anything, but have you considered selling and finding something you can afford?

I really just don't think it's a good idea to rely on the bill Obama says he is going to pass...


 
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Old 06-13-10, 05:55 PM
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DH and I have been considering it. Dont know how it works, but nobody will give me a loan since my credit is shot since were never on time w/ our payments. We can see about putting it in DH's name....idk. I guess we would see what we can get and dont think another would buy since we get water in the basement.
 
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