| Re: Starting process with home retention team at CW
What Moe sez, additionally given the stats that you have in your post you are an excellent candidate for Modification. Income strong - stability? FICO is viable, Location is not one that they would prefer to have another loss leader on their REO lists. Your pay history reflects willingness.
Stick to it, they are one in the same with respect to the fact that Country Wide Home Loans, America's Wholesale Lender, Country Wide Financial are umbrellaed as Country Wide, it was just the method of delivery, point of contact for origination of the loan for the borrower that defined who they were assigned to.
Send the hardship letter return receipt to all of the above parties, 3 times each, call, call, call. Get solid information and keep at it.
Demand a QWR if you feel or even if you do not fee that there have been issues not addressed in the original loan closing properly. In that QWR demand Life of Loan Payment History, all original Disclosure Docs, Note, Deed of Trust, all Riders, copy of original appraisal, TIL and Lender Copy of Final HUD-1. Put them on notice that you mean business and will be on top of this at all times. Make them work at retention too. |