3rd modification, yippeee
I finally got a job with the State of Florida at the end of August, but the downside is I didn't get paid for 4 weeks till the end of September and since I was working unemployment stopped. I have already had 2 successful modifications with the help of Naca, the last one took forever to update the account so I contacted the OOP and they took care of it. In September when we fell behind again, I wasn't sure what to do so I did nothing, I ended up going straight to the OOP by emailing Barbara Desoer's office 2 weeks ago, instead of ging to home retention, I got a call the same day, faxed in our info and was assigned a Negotiator in 2 days, it took the Nego 1 week and they gave us a straight modfication (rate is already low and pymt is below 31% of income) that put the past due to the end of the loan, which is standard in any modification and made the account current with the 1st payment due 12/1. The notary will be here on tuesday to sign the docs and Nego said will only be handled by her and no other dept at boa.