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Countrywide Home Loans - Tell Us Your Countrywide Story Due to the OVERWHELMING amount of Countrywide Home Loan stories, issues and problems, we at Loan Safe thought it would be best to have an entire forum dedicated to tracking what Countrywide is doing to HELP struggling homeowners and how they are treating their customers. Good or bad, let your voice be heard and your story be known.

This is a discussion on Can a person who owes 5 houses get a mod within the Countrywide Home Loans - Tell Us Your Countrywide Story forums, part of the Stop Foreclosure and Tell Us Your Story category; I Guess No Advice Txs Anyways...

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  #76 (permalink)   IP: 75.43.219.204
Old 07-30-2008, 02:45 PM
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Re: Help With Mod

I Guess No Advice Txs Anyways
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  #77 (permalink)   IP: 67.177.243.104
Old 07-30-2008, 02:55 PM
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Re: Help With Mod

Given the history of your situation from the start and the offer you were given...............I think that this offer is more than fair.............if you feel otherwise then ask them.........and if it is something that you are not going to be able to afford moving forward.............you will have to ask them what other options are available..........such as Short Sale or Deed in Lieu.
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  #78 (permalink)   IP: 75.47.187.158
Old 08-04-2008, 04:13 PM
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Re: Help With Mod

Do you know what that bill is that the president passed for Oct 1st ?
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  #79 (permalink)   IP: 67.177.243.104
Old 08-04-2008, 04:35 PM
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Re: Help With Mod

This is the full text of the bill................

http://www.house.gov/apps/list/press..._bill_text.pdf
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  #80 (permalink)   IP: 75.47.187.158
Old 08-04-2008, 04:42 PM
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Re: Help With Mod

Thats so long almost 700 pages can you just tell me was the bill that it would take a borower out of forclosure and the qualifications that you have to be in forclosure and be paying 30 % or more of your income to your mtg.. I dont know where i heard that but i cant find any articles on it anymore..
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  #81 (permalink)   IP: 67.177.243.104
Old 08-04-2008, 05:01 PM
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Re: Help With Mod

FACT SHEET: FHA TO PROVIDE ADDITIONAL MORTGAGE ASSISTANCE TO STRUGGLING HOMEOWNERS
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  #82 (permalink)   IP: 75.47.187.158
Old 08-04-2008, 05:02 PM
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Loan Mod

I Am In The Process Of A Loan Mod As You Know By Reading My Past Threads I Received A Call Last Week From A Neg She Gave Me The Forbearance Amounts That I Will Have To Pay For The Next 3 Months Which Was The Same As The Mtg Payment That Got Me In Trouble In The First Place She Told Me That She Would Call Me Back Later That Day So I Can Discuss With My Husband Still To This Day She Will Not Return My Calls I Call Daily Loss Mit Sends Her Emails And Messages On Vm But She Will Not Call Me Back.. What Should I Do Who Should I Speak To
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  #83 (permalink)   IP: 67.177.243.104
Old 08-04-2008, 05:14 PM
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Re: Loan Mod

If you need to go over the offer with someone just speak to whoever answers the main line..................

ASC ART Team
1-866-398-7569

ASC Loss Mitigation
1-866-398-7568
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  #84 (permalink)   IP: 75.47.187.158
Old 08-04-2008, 05:22 PM
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Re: Loan Mod

The Problem Is That I Didnt Agree On It She Said That She Would Call Me Back To See If My Husband Agreed But I Havent Got The Call Back . Another Thing Why Would The Give Me The Exact Payment That I Couldnt Afford...
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  #85 (permalink)   IP: 67.177.243.104
Old 08-04-2008, 05:27 PM
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Re: Loan Mod

You would have to ask them...............some here have received higher payments then they had orignally because taxes got escrowed and principle was added to what was an interest only payment before..........
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  #86 (permalink)   IP: 75.47.187.158
Old 08-04-2008, 05:30 PM
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Re: Loan Mod

The Payment Was 2844.00 With Mtg And Taxes Now Its 2799.00 With Taxes& Insurance Its Still To Way To High For Us What Is Better If I Sell ...
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  #87 (permalink)   IP: 67.177.243.104
Old 08-04-2008, 06:04 PM
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Re: Loan Mod

This is what you need to ask ASC.................why you were given a payment plan that you can not afford........
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  #88 (permalink)   IP: 75.47.187.158
Old 08-04-2008, 07:15 PM
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Red face Re: Loan Mod

do you know if the negotiator can go back and re neg for me .. with the investor..
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  #89 (permalink)   IP: 75.47.187.158
Old 08-04-2008, 07:25 PM
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Re: Loan Mod

i forgot also when i did my financials i had 200.00 left a month and the neg told me that i do have that 200.00 left monthly so i should be able to do it ...
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  #90 (permalink)   IP: 67.177.243.104
Old 08-04-2008, 08:28 PM
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Re: Loan Mod

You can try..............and the surplus listed on this forum is only a guide from the success stories as each and every investor has a different criteria that they follow..........
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  #91 (permalink)   IP: 75.43.205.188
Old 11-19-2008, 02:51 PM
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Can a person who owes 5 houses get a mod

Also what surplus do i have to be left with ? I have my mtgs with CW?
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  #92 (permalink)   IP: 67.177.243.104
Old 11-19-2008, 02:56 PM
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Re: Can a person who owes 5 houses get a mod

What has happened since February on the modifications? You loans were sold to CW from ASC?
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Old 11-19-2008, 02:59 PM
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Re: Can a person who owes 5 houses get a mod

actually i was posting for a friend she cant log on shes on loansafe but cant post she just registered a bit ago she is jennymo....
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  #94 (permalink)   IP: 67.177.243.104
Old 11-19-2008, 03:01 PM
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Re: Can a person who owes 5 houses get a mod

I will take a look so she can post her own story
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  #95 (permalink)   IP: 75.43.205.188
Old 01-04-2009, 06:45 PM
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help with mod

Hello ok i have been in the process of loan mod. i got a call telling me that my new payment was basically the same as when i started the mod my rate did go down which is good but my principal went up 35,000 is this the way it should be so my principal os 385000 which my house is worth 200,ooo everyone that i know they have all got the principals knocked down to what the house is worth why is asc not doing this...,
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  #96 (permalink)   IP: 75.104.160.37
Old 01-04-2009, 07:18 PM
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Re: help with mod

cbriones......

I remember you....you've been at this for a while now. From what I've seen here on the forum, investors are NOT doing principle reductions. Some are doing principle deferments but it's not a principal reduction.
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  #97 (permalink)   IP: 72.192.133.121
Old 01-04-2009, 07:43 PM
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Re: help with mod

Quote:
Originally Posted by elpjohnson View Post
cbriones......

I remember you....you've been at this for a while now. From what I've seen here on the forum, investors are NOT doing principle reductions. Some are doing principle deferments but it's not a principal reduction.
I personally do think that there will at some point be these loans that are rewritten - they will have to be. We are all really just renting since we have little or no equity or minus in many cases. It will take years for us to get back to where we were.
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