Countrywide - Loan Modification Forum

ELENA7077 · 03-13-2009, 07:04 AM

PLEASE!! ffice

ffice" />>>
Anyone that can help us we have a Countrywide home loan I stared calling in Dec 08, our home taxes were up $300 a month do to a Palm Beach County, Florida they said I did not apply for homestead but I got home in 2006-2007. Anyway called countrywide and they said they would not help us with taxes or any problem with the county property taxes.. so I countrywide for a home mod and they said after being transfer 10x that we did not qualify we made to little a month. What now???? HELP !! >>

Dan Bailey · 03-13-2009, 07:07 AM

Elena,
Glad you found the forum and posted.
It would be helpful to know what your loan amount is, your rate now, if this is the only property you own, and if you have actually sent any paperwork in for a mod-or just called customer service.

ELENA7077 · 03-13-2009, 07:14 AM

Hi dan!!thank you!!loan $226,700rate 6%the only property i faxed a letter of hardship can called customer service as well about 5times

Dan Bailey · 03-13-2009, 07:19 AM

Elena,
Customer service= collections.
Try this number to discuss with a rep. :
CW home retention: CW Home Retention
1-800-669-0102
To be honest, calling 5 times is not much...it will take alot of calls and persistance to get through. This process takes awhile unfortunately.

You may want to continue battling the taxes also with the county. CW will not do that for you.

ELENA7077 · 03-13-2009, 07:32 AM

Dan, should i call CW every day ?
how do i battle the county? PLEASE I need all the help i can get.

Dan Bailey · 03-13-2009, 07:39 AM

You should call CW until you get someone who can actually help you. Verify that the hardship letter was received and will start your process within CW.

If you feel you cannot do this on your own, contact a qualified attorney (check them out first using your states BAR association on the web) or, contact NACA:https://www.naca.com/refinance/refinanceSubmission.jsp They are a NON PROFIT hud approaved agency to help homeowners.

Dan Bailey · 03-13-2009, 07:52 AM

No problem Elena....start those calls to the number posted, and check out the NACA site. Throw all those e-mails, and regular mails you get away. Those people will pose as govmt. agencies-mortgage company reps, etc..etc...

ELENA7077 · 03-13-2009, 08:08 AM

Thank you, A person by the name Diana call me from Fransen and Molinaro # 1-888-432-6634 is it ok to talk with her?

Dan Bailey · 03-13-2009, 08:11 AM

Yes, they are attorneys that have been vetted and checked out by the team here.

gray517 · 03-13-2009, 08:14 AM

Elena 7077

start with CW or Naca for the modification. BUT call the Palm Beach County Property Appraiser's office right away to see what if anything they can do to help you.

Palm Beach Property Appraiser

(561) 355-2866

Palm Beach Tax Collector

(561) 355-2266

http://www.pbcgov.com/papa/aspx/Gene...ralSearch.aspx

ELENA7077 · 03-13-2009, 08:19 AM

We were there in person(PB Property Appraiser and Tax Collector Office)no help nothing they can do for us...

gray517 · 03-13-2009, 08:28 AM

you could also try calling the escrow dept at countrywide directly maybe they can work something out with your escrow and spread the shortage in the escrow account that made your payment go up over a longer time frame

ELENA7077 · 03-13-2009, 08:31 AM

i did call

ELENA7077 · 03-16-2009, 04:06 AM

hi all,

would anyone have more ides??

Dan Bailey · 03-16-2009, 04:28 AM

Elena,
CW is going to escrow whatever the taxes are, in order to protect their investment. They do not set the tax rate. If there is going to be a reduction of the tax rate-it will have to come from the county/city tax office. I hate to say it...but if the tax people arent budging, there is not much else you can do to eliminate that amount.

ELENA7077 · 03-16-2009, 04:36 AM

Thank you :-(

ELENA7077 · 03-17-2009, 10:38 AM

hi all,
i called CW and they said we make to little for a loan mod, what now?

Moe Bedard · 03-17-2009, 03:18 PM

Have you went to the NACA link that Dan provided for you as another option? You may want to give it a try and see if they are able to help you.............

ELENA7077 · 03-18-2009, 03:38 AM

To be truthful I’m not sure how to navigate it.ffice

ffice" />>>

Dan Bailey · 03-18-2009, 04:23 AM

ELENA,
STart by clicking "New members start here" then fill out each section. There are ten sections ..as you finish filling out each one, you will be directed to the next.

ELENA7077 · 03-18-2009, 04:41 AM

ok, i am at making a Appointment its not working what now?

Dan Bailey · 03-18-2009, 04:47 AM

Elena,
I am not at the screen with you. It may help to have someone there who is comfortable with computers to help you while you do this if you are not.

Take some time to do it....close out all other windows, etc...set aside the time.

ELENA7077 · 03-18-2009, 04:59 AM

ok, thanks

ELENA7077 · 03-18-2009, 06:25 AM

hi Dan,

I am trying to make an appointment but it not doing anything???? HELP!! PLEASE!

N2Deep · 03-18-2009, 06:43 AM

You may have not uploaded your Documents yet. I wasn't able to see phone appointments until I did that.

03-13-2009, 07:04 AM	#1 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Countrywide PLEASE!! fficeffice" />>> Anyone that can help us we have a Countrywide home loan I stared calling in Dec 08, our home taxes were up $300 a month do to a Palm Beach County, Florida they said I did not apply for homestead but I got home in 2006-2007. Anyway called countrywide and they said they would not help us with taxes or any problem with the county property taxes.. so I countrywide for a home mod and they said after being transfer 10x that we did not qualify we made to little a month. What now???? HELP !! >>

03-13-2009, 07:07 AM	#2 (permalink)
Dan Bailey Loan Safe Moderator & Homeowner Guide Join Date: May 2008 Location: Wilmington NC Posts: 1,407 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Elena, Glad you found the forum and posted. It would be helpful to know what your loan amount is, your rate now, if this is the only property you own, and if you have actually sent any paperwork in for a mod-or just called customer service. __________________ Loansafe saved my home!! I may be alot of things, but I do know the difference between reply and forward.

03-13-2009, 07:14 AM	#3 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Hi dan!!thank you!!loan $226,700rate 6%the only property i faxed a letter of hardship can called customer service as well about 5times

03-13-2009, 07:19 AM	#4 (permalink)
Dan Bailey Loan Safe Moderator & Homeowner Guide Join Date: May 2008 Location: Wilmington NC Posts: 1,407 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Elena, Customer service= collections. Try this number to discuss with a rep. : CW home retention: CW Home Retention 1-800-669-0102 To be honest, calling 5 times is not much...it will take alot of calls and persistance to get through. This process takes awhile unfortunately. You may want to continue battling the taxes also with the county. CW will not do that for you. __________________ Loansafe saved my home!! I may be alot of things, but I do know the difference between reply and forward.

03-13-2009, 07:32 AM	#5 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Dan, should i call CW every day ? how do i battle the county? PLEASE I need all the help i can get.

03-13-2009, 07:39 AM	#6 (permalink)
Dan Bailey Loan Safe Moderator & Homeowner Guide Join Date: May 2008 Location: Wilmington NC Posts: 1,407 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide You should call CW until you get someone who can actually help you. Verify that the hardship letter was received and will start your process within CW. If you feel you cannot do this on your own, contact a qualified attorney (check them out first using your states BAR association on the web) or, contact NACA:https://www.naca.com/refinance/refinanceSubmission.jsp They are a NON PROFIT hud approaved agency to help homeowners. __________________ Loansafe saved my home!! I may be alot of things, but I do know the difference between reply and forward.

03-13-2009, 07:52 AM	#7 (permalink)
Dan Bailey Loan Safe Moderator & Homeowner Guide Join Date: May 2008 Location: Wilmington NC Posts: 1,407 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide No problem Elena....start those calls to the number posted, and check out the NACA site. Throw all those e-mails, and regular mails you get away. Those people will pose as govmt. agencies-mortgage company reps, etc..etc... __________________ Loansafe saved my home!! I may be alot of things, but I do know the difference between reply and forward.

03-13-2009, 08:08 AM	#8 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Thank you, A person by the name Diana call me from Fransen and Molinaro # 1-888-432-6634 is it ok to talk with her?

03-13-2009, 08:11 AM	#9 (permalink)
Dan Bailey Loan Safe Moderator & Homeowner Guide Join Date: May 2008 Location: Wilmington NC Posts: 1,407 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Yes, they are attorneys that have been vetted and checked out by the team here. __________________ Loansafe saved my home!! I may be alot of things, but I do know the difference between reply and forward.

03-13-2009, 08:19 AM	#11 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide We were there in person(PB Property Appraiser and Tax Collector Office)no help nothing they can do for us...

03-13-2009, 08:28 AM	#12 (permalink)
gray517 Senior Member Join Date: Nov 2008 Location: Florida Posts: 627 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide you could also try calling the escrow dept at countrywide directly maybe they can work something out with your escrow and spread the shortage in the escrow account that made your payment go up over a longer time frame

03-13-2009, 08:31 AM	#13 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide i did call

03-16-2009, 04:06 AM	#14 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide hi all, would anyone have more ides??

03-16-2009, 04:28 AM	#15 (permalink)
Dan Bailey Loan Safe Moderator & Homeowner Guide Join Date: May 2008 Location: Wilmington NC Posts: 1,407 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Elena, CW is going to escrow whatever the taxes are, in order to protect their investment. They do not set the tax rate. If there is going to be a reduction of the tax rate-it will have to come from the county/city tax office. I hate to say it...but if the tax people arent budging, there is not much else you can do to eliminate that amount. __________________ Loansafe saved my home!! I may be alot of things, but I do know the difference between reply and forward.

03-16-2009, 04:36 AM	#16 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Thank you :-(

03-17-2009, 03:18 PM	#18 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Have you went to the NACA link that Dan provided for you as another option? You may want to give it a try and see if they are able to help you............. __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

03-17-2009, 10:38 AM	#17 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide hi all, i called CW and they said we make to little for a loan mod, what now?

03-18-2009, 03:38 AM	#19 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide To be truthful I’m not sure how to navigate it.fficeffice" />>>

03-18-2009, 04:23 AM	#20 (permalink)
Dan Bailey Loan Safe Moderator & Homeowner Guide Join Date: May 2008 Location: Wilmington NC Posts: 1,407 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide ELENA, STart by clicking "New members start here" then fill out each section. There are ten sections ..as you finish filling out each one, you will be directed to the next. __________________ Loansafe saved my home!! I may be alot of things, but I do know the difference between reply and forward.

03-18-2009, 04:41 AM	#21 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide ok, i am at making a Appointment its not working what now?

03-18-2009, 04:47 AM	#22 (permalink)
Dan Bailey Loan Safe Moderator & Homeowner Guide Join Date: May 2008 Location: Wilmington NC Posts: 1,407 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Elena, I am not at the screen with you. It may help to have someone there who is comfortable with computers to help you while you do this if you are not. Take some time to do it....close out all other windows, etc...set aside the time. __________________ Loansafe saved my home!! I may be alot of things, but I do know the difference between reply and forward.

03-18-2009, 04:59 AM	#23 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide ok, thanks

03-18-2009, 06:25 AM	#24 (permalink)
ELENA7077 Senior Member Join Date: Mar 2009 Posts: 187 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide hi Dan, I am trying to make an appointment but it not doing anything???? HELP!! PLEASE!

03-18-2009, 06:43 AM	#25 (permalink)
N2Deep Senior Member Join Date: Mar 2009 Posts: 45 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide You may have not uploaded your Documents yet. I wasn't able to see phone appointments until I did that.

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