Very interesting post, I think you may be right about the delay with HAM and
CW. I had no idea that
CW really hasn't issued that many HAMs but that makes sense. When I spoke to the rep she really didn't say a thing about HAM just kept reiterating that I got what the investor gave me. She said most likely they will continue to try and modify my mortgage but no guarantees.
Roberto77, are you waiting for a HAM as well? Its interesting to know that others are in the same boat as I am. I agree with you about the part of saving money until a final determination is made. That is why I am so hesitant to sign the Forbearance contract and shell out $4500 if I'm going to end up in foreclosure. I've already been on a Forbearance for a year and have spent the last 7 months trying to get a mod. If I'm not going to get it, I need the money!