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asrs4 · 02-13-2009, 04:57 PM

Actually it was through the AG settlement, per cw it's the wom program through the AG settlement, our investor is Bank of NY. The package came from Pittsburgh, PA and the we returned the fed ex package to Pittsburgh. The number on the return label is 877-643-2788 which is the Hope Team and they confirmed they received the package. The program that was offered to us is the Step Rate. Our current rate is 7% fixed for 30 yrs P&I. What cw offered is 7% fixed for the life of the loan but the 1st 10 years it's interest only, and they put our past due amount towards our principal amount. They told us this is the only program we qualify for because of my husbands income. Our surplus is $372.00 for a family of four that is nothing even after you have paid all the bills.

02-13-2009, 04:57 PM	#5 (permalink)
asrs4 Member Join Date: Feb 2009 Posts: 18 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Received loan Modification But Countrywide has no record of it Actually it was through the AG settlement, per cw it's the wom program through the AG settlement, our investor is Bank of NY. The package came from Pittsburgh, PA and the we returned the fed ex package to Pittsburgh. The number on the return label is 877-643-2788 which is the Hope Team and they confirmed they received the package. The program that was offered to us is the Step Rate. Our current rate is 7% fixed for 30 yrs P&I. What cw offered is 7% fixed for the life of the loan but the 1st 10 years it's interest only, and they put our past due amount towards our principal amount. They told us this is the only program we qualify for because of my husbands income. Our surplus is $372.00 for a family of four that is nothing even after you have paid all the bills.