Date of Home Purchase: Nov. 2010
Mortgage payment with escrow: $1415
Upcoming first missed payment: April 1
Bank: Bank of America
Bank for checking/savings: Chase
My question is; when do I submit the HAMP RMA package to the loan servicer? Also, should I move the money to a credit union like others mentioned? Should I tell my employer to stop using direct deposit for my salary?
I want to prolong the time it takes to get the NOD as much as possible.