I have recently been declined for HAMP (I believe), due to ING (investor) does not participate. I am now being told that BofA will try to do an in house MOD, but of course NO Guarantees. I am wondering - if the investor does not participate, what options are there? I have an internal connection with a SVP within the workout group. I plan to call him first thing in the morning. This has been in the works since Sept 09 and I am extremely frustrated with this entire process.
Also **I donít understand how ING is my investor, when the loan was acquired by BofA from Countrywide??