[revcarrie]

Thank you ***.

This is what I did to help my extended family who are not computer literate. I have been searching the H4H owners website long before I found this forum. I have been watching for a list of agents to come up that had been promised. I went to the Hope for Homeowners website and they were eventually there, as promised. Now I have a list of sources who are handling the H4H program and they have been given the guidelines. I printed it off and chose several who are dealing with the Iowa area where I am originally from and my relatives still are living. I gave my cousin a name, address and telephone number. I sent an e-mail to them for her since she hasn't learned a computer yet and doesn't have one...yet. The e-mail came back to me with two areas to click on. I already knew her loan qualified so I clicked on "need application" and I e-mailed this to her son who is now helping her. She has sent the requested paperwork in to this agent as well as Aurora and her new "correct" apparaisal is ordered and the company who actually owns her loan, which looks like it is Fannir Mae, is co-operating. Her loan has been sold at least four times in the last year since she signed this terribly predatory loan. Her process is scheduled to be over with before Christmas. Before this list of 23 pages of H4H agents came out, it was VERY frustrating because most, if not all, FHA dealers are NOT handling the H4H. Only specially trained people are being given the authority by the feds to work with these loans.
I found the "trick" is to know EVERYTHING you possibly can know about your own situation, the neighborhood, everything you can read about this program and THEN watch the news. CNN.com has been VERY helpful. Every day there are bits and pieces of what is coming out like new legislation due in this lame duck congressional session to force companies and banks to co-operate with homeowners. It has helped my ralatives' cases for me, the "political junkie" of the family, to teach them how to write letters to their congressmen and women. None of them had ever done this bfore. Apparently many Americans recently have decided to do this because the wheels are now moving toward help for all of us "non-rich" tax payers out here. Many complaints have been made about how congress hasn't responded to the general public and they are all out of touch with our needs. When I hear this complaint, my first reaction is, "When was the last time you contacted your representatives?" The answer is usually, "Well ...never." This is like writing a letter to God asking for anything HE thinks you need, and never praying for it and committing to do your part to get ready to accept the blessing.

Before anyone gets the wrong impression here, I am NOT in the business of banking, or real estate. I have been known to not take "no" as an answer for ANYTHING in my life. NO, is simply someones opinion because they haven't researched the situation far enough and had enough faith. I am a minsiter and a psychologist. It is my businees and passion to help people find answers to their problems....it just so happens to be financial problems at the moment. I listen between the lines here in this forum. The emotions and frustrations expressed come from the same part of our collective psyche that abuse victims have expressed. THIS is where I am drawing from. Many have been finanically and emotionally abused over these mortgages and threats to their living standard.

The "lies" that were referred to in previous postings are not lies on my part and are not lies with the feds either. It has taken time for everyone involved to actually get to know one another....congress to know there are real needs out here and there are real solutions and for us to communicate those needs effectivly. Even congress is beginning to realize just how "amuk" things have gotten whithout proper oversight and trusting that everyone was going to be doing the "right" thing when it has not been the case....thus predatory lending and subprime situations.
PLEASE hang in there and here. There is hope and I feel in my being that things are going to be moving faster as time goes on. Just be willing to make this a full time job for yourselves and your loved ones. This is axactly what it is. Ask *** and Moe and I can certainly testify to this fact too.
My extended family has learned this too.
Okay, end of lecture. Keep the faith and keep plugging along.
revcarrie