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Originally Posted by Harasboa  I was just denied loan modification over the phone by a BOA phone representative after I gave her all of my income and expense information. She claimed there were no programs for me. Freddie Mac owns my loan, so I would assume I can maybe qualify for the Making Home Affordable program. Do I try to continue? |
One thing you can do if it seems your expenses are too high is cut them down and/or cancel them altogether,like cable,phone,etc. Also, in my case I told them to "zero" out my credit cards (I have many) in effect saying I have no credit card payments. I tried this after some advice from NACA as I too was denied for a mod several times before. Now I am being considered for a mod,and told to wait a month for the decision.
At this point,my goal is to keep my house,and if I default on my cards,oh well. I need a roof over my head.