We have a 5 yr adjustable , adjusting soon. I havent made pmt since january 09, I have called
CW and asked for help , 1st call was told we did not qualify for any help, because we hadnt missed any pmts. , my husband lost part of his income, Im a full time nursing student, and our pmt is 2500.00 a mo interest only, have paid every time on time, until jan, after getting behind asked for another loan mod and they sent me a letter stating didnt qualify for several reasons, 1. made too much money, which we do not, in the same letter stated we did not make enough money to pay on the loan, I fiallly got a call and a offer for a fixed loan a 6 % and had to make up all missed pmts first, then our pmt would be 2900 a month, I told them no that will not work, we owe 402,000 original price 502,000 , put down 100,000, our home is worth approx 250,000. we filed BK about 2 months ago and again tried a mod, they wanted a letter from my attorney giving permission and hardship letter, statements all the normal stuff, its been 2 months and i call once a week to see if any thing is being done, they reply with we do not no anything yet,
im afraid its going to be to late and loan will go into foreclosure, we really want to keep our home and I do know what else to do, I know we qualify for some kind of help by reading all the qualifications, any suggestions this is stressing me out ,its all I so everyday