I am new to posting but not new to the forum. I have been searching the net for two days but can't seem to find anything related to our problem.
Last summer, hubby lost his job & we quit paying our mortgage (well we would have loved to keep paying but ya know). In November, we started the paperwork with Chase for a mod and in February of this year, hubby found new employment. After playing wheel of paperwork for several months, the "Customer Assistance Specialist" informed us last week it was at the UW & everything was in the final approval stage yada yada & we should receive our docs within 3-4 weeks.
We received a denial letter yesterday & this is what it says:
We are unable to offer you help through the federal HAMP or any additional options by the investor or insurer of your loan. This decision was confirmed through a second level of review.
Please see below for details.
Your loan is currently more than 12 months delinquent or will be at the time a HAMP modification would be finalized.
We sent our first set of docs more than 7 months ago (and have had to resubmit the same stuff every couple months). We were not even close to 12 months behind when we initially filed and it took them 7 months to tell us that? I feel duped!
Any suggestions on who to contact at Chase (or anywhere else)? The emails listed in the sticky at the top of the forum all bounced back as undeliverable & all the numbers we call get us transferred to Loss Mitigation (who wants us to send payment in full to save our home). I tried searching the forum but couldn't find any recent contact info.
We have 3 weeks until the house will sell and we WANT to stay in our home.
Thanks in advance for any ideas or suggestions.