So my HAMP modification underwriting is complete. But, what is the next stage? I was told today it could take another 30 days...wtf!! By then my financial will be over 90 days again. I have contacted OOP and am supposed to be esculated and my neg says that is all they can do. Why cant I speak to the underwriters?
I was also told to make my 7th trial payment and if the final modification comes in they always give you 30 days before next payment due. And, I am still be charged late fees of which when questioned was told to go over with the neg when final modification terms are discussed. Is that true? What about all full payments showing still due in full?
I dont want to upset BAC to get my modification so I dont know how to proceed...keep calling for answers? wait for final modification??