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ILResident · 07-04-2009, 10:28 AM

Yes, I have a very stable income which has been clearly documented with CW. I can guarantee that I meet every one of the HAM requisites too. The only one I am unsure about is the NPV test which does not have to be met in order to be eligible for a HAM per their guidelines.

I'm frustrated because I can't get any answers as to whether I was evaluated for a HAM or not and if I was, why I was denied. I have about 10 more days before I have to sign this Forbearance contract and really don't know whether I should or not as it offers no guarantees except that they get an extra $4500 before they foreclose on me.

I'm really on the fence on this one!

07-04-2009, 10:28 AM	#14 (permalink)
ILResident Member Join Date: Apr 2009 Posts: 10 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: BOA and Making Home Affordable Program Yes, I have a very stable income which has been clearly documented with CW. I can guarantee that I meet every one of the HAM requisites too. The only one I am unsure about is the NPV test which does not have to be met in order to be eligible for a HAM per their guidelines. I'm frustrated because I can't get any answers as to whether I was evaluated for a HAM or not and if I was, why I was denied. I have about 10 more days before I have to sign this Forbearance contract and really don't know whether I should or not as it offers no guarantees except that they get an extra $4500 before they foreclose on me. I'm really on the fence on this one!