[mintdeer]

Dear Mr. Hamilton, On March 4, 2009, the Department of Treasury launched the Home Affordable Modification Program (HAMP). On August 11, 2009, IndyMac signed the participation agreement with the US Treasury to review loans under the HAMP loan modification program. According to the new HAMP IndyMac will be able to consider your loan for a loan modification if the following are applicable: Your home is an owner-occupied primary residence. Your housing payment is more than 31% of your gross monthly income. Your loan amount is less than $729,500. Based on the financial information you provided, your current mortgage payment is less than 31% of your gross monthly income and affordable. We denied your request for a loan modification. We understand that this was not the outcome that you were looking for. We are no longer reviewing loans under previous loan modification models. We are reviewing loans under the current HAMP model. At this time, you have two options available to you. If you want to keep your property, you must bring your account current, which you can do by either paying the total amount due or by qualifying for a repayment plan. If you are considering selling your property, we can review with you the possibility of participating in our short sale program. For review of any of the mentioned loan assistance options, please contact our Loan Resolution department at 1-877-908-4357. Respectfully, Claudia Mann Default Escalation Specialist IndyMac Mortgage Services, a division of OneWest Bank, FSB Fax: 626-440-7148 claudia.mann@owb.com ________________________________ Sent: Monday, November 09, 2009 11:42 AM To: Mann, Claudia Subject: loan mod denial acct Hello, I am writing in response to a loan mod denial I just received dated Oct. 23rd 2009. This mod was requested on the behalf of the borrower outreach program at Freddi Mac. I was led to believe that if a Hamp mod could not be obtained that indyMac was to look into doing an "inhouse" modification per the request of Freddi macs Borrower outreach. I was just told by phone that Indy Mac no longer does Inhouse modifications as of August 9th, which really lets me down as I have been asking for a modification sinch March 2009. Do you have any more information on the subject? Thank you. Looks like another fun day with IndyMac. I would still like to see what numbers they used to get these final results as they have been incorrect in the past. Also Like I questioned Freddie mac had asked them to do an inhouse mod not a Hamp Mod so that I may be approved for something! They think my loan is affordable HA HA HA HA!!! If I was renting my house I would only be paying around $1000- 1200 per month not $1703! Guess I am going to write all my state reps some more letters and hopefully somebody will fix this mess!