First off I'd like to say I am so happy to have found this website.
Okay...here is my story in a nutshell...which you've probably heard a million times. I've been in my home since 7/01. We refinanced about 2 years ago. We were Countrywide (barf) and now BofA. About April/May of last year my husband and I started having real financial problems. We live in Southern California and my husband is in the construction business..not much more needs to be said on that! So, we got behind -- about 3 months, I was also making partial payments. I decided that I would try and get a loan mod to help us out back in August. Starting in September they gave us our new trial payments (only 49.00 lower then our actual mortgage payments). Anyway, I've been going back and forth with them. The usual, missing paperwork, current paystubs, this/that. I got a letter dated Feb. 16th stating that they got all the necessary paperwork and would be contacting us shortly regarding approval for loan mod, etc. I call my worthless negotiator (Kimberly Kramer) once a week to get updates...all she kept telling me was that it is with the "underwriter" and I will hear something "soon." Never happened. I called last week pretty upset. I am so terrified by this and afraid that I am going to lose my home that I can't sleep at all! Anyway, I got a supervisor on the phone that said that my loan mod was most likely denied. I never received anything in writing at all. He said that he would now try and get us approved for a "Traditional Loan Modification." So, I guess my question is where do we go from here. This whole process is making me crazy. I am so afraid that they are going to pull the rug out from under me and just foreclose on my home. I checked my account on line and what a joke, they are showing we are past due by 11,000 dollars. Our next payment is due 11/1/09. What are they doing with our payments? It said "workout information." I clicked on that and it said "No workout infomration associated to this account." What does that mean. Please, someone help me. I cannot lose my home! I am willing to do whatever I need to end this nightmare but like the rest of the horror stories, it doesn't look good. They are jerking me around I am so tired of it. I get nothing but the runaround.
I know I am probably leaving out important information, I'm sorry. I just want to know if there is any hope for us? I'm been making my payments, although I don't think I can make March's payment until then end of the month....can my home be saved? Please, someone help me...so far I'm alone. I can't get anyone at BofA to help. I would love just once, to sleep through the night! I just need some strategies.
Thanks so much!