NACA/CW/BofA June Restructure Submissions

[MAXIE19]

We are all happy for you CW. This is truly great news. We need more of that on this forum.

[CW California]

Thanks for all your well wishes. I am so surprised that I feel sick to my stomach. This lowers my payment nearly $1000 a month. Also, when BofA sent the proposal to NACA they also mentioned that I should contact the 2nd and try to get it reduced. The NACA rep said to wait until everything was finalized than work on Citibank. Sheesh still can't believe and won't until I see the paperwork!

[laurap]

Originally Posted by CW California

Thanks for all your well wishes. I am so surprised that I feel sick to my stomach. This lowers my payment nearly $1000 a month. Also, when BofA sent the proposal to NACA they also mentioned that I should contact the 2nd and try to get it reduced. The NACA rep said to wait until everything was finalized than work on Citibank. Sheesh still can't believe and won't until I see the paperwork!

wonderful!!!! Congrats!!!

Did Cw matches the NACA proposal or it is above that?. Do you how was your NACA negotiator?

hope everybody will reach that.........

[Rumor]

Congrats CW! No more sleepless nights!

You'd feel sick to your stomach either way, being approved or having it rejected

[2much2pay]

Congrats CW!!! Terrific news....Best wishes to you and your family....

[CW California]

Originally Posted by laurap

wonderful!!!! Congrats!!!

Did Cw matches the NACA proposal or it is above that?. Do you how was your NACA negotiator?

hope everybody will reach that.........

CW matched the proposal. Janice is the NACA negotiator and they said to expect her to email/call by friday. I think he said email. lol He said, "BofA has made a proposal at our floor rate of 2%." Aparently NACA received the email on 7/2. I had called BofA on either 7/1 or 7/2 and they said to call NACA in a week which was today. I've just received the verbal. Before he told me, he confirmed my address. lol Wouldn't be good to give someone the wrong news I guess.

Update that spreadsheet Laura!

[CW California]

Originally Posted by MAXIE19

We are all happy for you CW. This is truly great news. We need more of that on this forum.

yea I think all of us were beginning to lose hope. We just got to all hang in there and keep fighting and following up! Weirdly when I checked my account tonight BofA had posted my payment to my account online. The first new payment is due 9/1. NACA said they had added interest on to the loan that seemed to be about two payments plus a little escrow. (The two months would be for July and Aug payment) Now though that July has posted to my account I don't know if that will screw things up. I am going to push to make August payment because I really need that FICO to drop as little as possible. I'll keep you all updated. I know of at least a couple of people on this forum who were able to modify without ever missing a payment .(with NACA) I'm sure the modified loan will hit it but we will have to see how much. I'm also in the process of trying to obtain a business line of credit. I hope at least my fico won't drop until I hear back on that. I guess right now with July paid they couldn't report a negative until the end of Aug? Oh sorry, I am just rambling away here!

[CW California]

Originally Posted by laurap

Not a good news at all.. NACA sent me an email with the proposal from investor which is far way from what NACA proposed. I do not want to accept it, so rejected the offer, since i know i cannot meet that payment. NACA proposed 2100 and investor is proposing 2450, which i cannot agree.

Anyone know if NACA will send another offer again?

Thanks.

Oh laura that sucks. I have heard of NACA countering the offer. Who is your investor?

[CW California]

Originally Posted by pdsfoley

WOWWWWWWWWW!!! CW Congrats to you!!!

Yea PDS, high five!

[laurap]

here we go CW_California...

<TABLE style="WIDTH: 347pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width=461 border=0 x:str><COLGROUP><COL style="WIDTH: 91pt; mso-width-source: userset; mso-width-alt: 4425" width=121><COL style="WIDTH: 64pt; mso-width-source: userset; mso-width-alt: 3108" span=4 width=85><TBODY><TR style="HEIGHT: 39pt" height=52><TD class=xl31 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT: windowtext 1pt solid; WIDTH: 91pt; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 39pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=121 height=52>Member</TD><TD class=xl32 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=85>NACA Submitted to <ACRONYM title="Countrywide Home Loans">CW</ACRONYM></TD><TD class=xl32 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=85>Approval email from NACA</TD><TD class=xl33 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=85></TD><TD class=xl34 style="BORDER-RIGHT: windowtext 1pt solid; BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent" width=85>Documents Received</TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl25 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>rkel11</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 2</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl27 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>pdsfoley</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 8</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>CW_California</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 9</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">July 8</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>merev</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 2</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>giantsfan</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June2</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>Lizzy</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June5</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl25 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21 x:str="NeedHelpwCW ">vikingmom</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 10</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl27 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>laurap</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 17</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl22 style="BORDER-BOTTOM-COLOR: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; 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BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl22 style="BORDER-BOTTOM-COLOR: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR></TBODY></TABLE>

[2much2pay]

Can you add me to the list Laurap? Submitted June 29th. Thanks...

[laurap]

<TABLE style="WIDTH: 347pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width=461 border=0 x:str><COLGROUP><COL style="WIDTH: 91pt; mso-width-source: userset; mso-width-alt: 4425" width=121><COL style="WIDTH: 64pt; mso-width-source: userset; mso-width-alt: 3108" span=4 width=85><TBODY><TR style="HEIGHT: 39pt" height=52><TD class=xl31 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT: windowtext 1pt solid; WIDTH: 91pt; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 39pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=121 height=52>Member</TD><TD class=xl32 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=85>NACA Submitted to <ACRONYM title="Countrywide Home Loans">CW</ACRONYM></TD><TD class=xl32 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=85>Approval email from NACA</TD><TD class=xl33 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=85></TD><TD class=xl34 style="BORDER-RIGHT: windowtext 1pt solid; BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent" width=85>Documents Received</TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl25 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>rkel11</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 2</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl27 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>pdsfoley</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 8</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>CW_California</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 9</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">July 8 2%</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>merev</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 2</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>giantsfan</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June2</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>Lizzy</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June5</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl25 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21 x:str="NeedHelpwCW ">vikingmom</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 10</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl27 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>laurap</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 17</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl22 style="BORDER-BOTTOM-COLOR: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>2much2pay</TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June29</TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl22 style="BORDER-BOTTOM-COLOR: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD></TR></TBODY></TABLE>

[merev]

Congrats CW!!!
There is a light at the end of the tunnel.
Hope everyone else has good news soon.

[rkel11]

I am so happy for you CW......GREAT NEWS!!!!! You were talking about back in the 70's on another thread, when I was in California back then my wife and me had to go to the dime store(don't remember the store name) and get those whole chickens they sold at the diner and take it home and eat it with paper plate and plastic forks. We thought we were eating high on the hog!!!!!

[CW California]

rkel
Don't remember that! The 70's were not easy times either. But I was young and poor and it didn't seem to faze us as much!

[sarge]

Congratulations CW California! I've been missing here a couple of days with family in and just got some quite time. Look what I do with it! I'm happy for you as it has been a roller coaster ride. Good luck to you.

[2much2pay]

Originally Posted by laurap

<TABLE style="WIDTH: 347pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width=461 border=0 x:str><COLGROUP><COL style="WIDTH: 91pt; mso-width-source: userset; mso-width-alt: 4425" width=121><COL style="WIDTH: 64pt; mso-width-source: userset; mso-width-alt: 3108" span=4 width=85><TBODY><TR style="HEIGHT: 39pt" height=52><TD class=xl31 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT: windowtext 1pt solid; WIDTH: 91pt; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 39pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=121 height=52>Member</TD><TD class=xl32 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=85>NACA Submitted to <ACRONYM title="Countrywide Home Loans">CW</ACRONYM></TD><TD class=xl32 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=85>Approval email from NACA</TD><TD class=xl33 style="BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" width=85></TD><TD class=xl34 style="BORDER-RIGHT: windowtext 1pt solid; BORDER-TOP: windowtext 1pt solid; BORDER-LEFT-COLOR: #ece9d8; WIDTH: 64pt; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent" width=85>Documents Received</TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl25 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>rkel11</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 2</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl27 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>pdsfoley</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 8</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>CW_California</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 9</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">July 8 2%</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>merev</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 2</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>giantsfan</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June2</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>Lizzy</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June5</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl25 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21 x:str="NeedHelpwCW ">vikingmom</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 10</TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl26 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl27 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>laurap</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June 17</TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl22 style="BORDER-BOTTOM-COLOR: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21>2much2pay</TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8">June29</TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP-COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl22 style="BORDER-BOTTOM-COLOR: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-TOP-COLOR: #ece9d8; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl23 style="BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM-COLOR: #ece9d8; BORDER-TOP-COLOR: #ece9d8; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD class=xl28 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 15.75pt; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8" height=21></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD><TD class=xl29 style="BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT-COLOR: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent; BORDER-RIGHT-COLOR: #ece9d8"></TD></TR></TBODY></TABLE>

Cool.....thanks! Hope I get the email soon! At least within the same timeframe as CW.

[DodgerFan]

Originally Posted by CW California

CW matched the proposal. Janice is the NACA negotiator and they said to expect her to email/call by friday. I think he said email. lol He said, "BofA has made a proposal at our floor rate of 2%." Aparently NACA received the email on 7/2. I had called BofA on either 7/1 or 7/2 and they said to call NACA in a week which was today. I've just received the verbal. Before he told me, he confirmed my address. lol Wouldn't be good to give someone the wrong news I guess.

Update that spreadsheet Laura!

Congrats CW California! Our NACA negotiator is Janice as well. We're still waiting. Who is the investor on your loan? Did you have a second mortgage as well?

Best regards.

[laurap]

Originally Posted by DodgerFan

Congrats CW California! Our NACA negotiator is Janice as well. We're still waiting. Who is the investor on your loan? Did you have a second mortgage as well?

Best regards.

Hi DodgerFan,

Did Naca tell you anything about the second loan. There calculation only for the first. Did you get any propsal from BOA.
Thanks

[CW California]

Originally Posted by DodgerFan

Congrats CW California! Our NACA negotiator is Janice as well. We're still waiting. Who is the investor on your loan? Did you have a second mortgage as well?

Best regards.

BONY is our investor and my 2nd is with Citi. Still have to work with them on that one.

[laurap]

Originally Posted by CW California

BONY is our investor and my 2nd is with Citi. Still have to work with them on that one.

Hi CW California,
Will NACA help dealing with Citi or you have to deal by your own?.
Did your NACA proposal macthes your offer or it above the
proposal?

Thanks.

[SleeplessInSeattle]

Just found this forum last night after feeling alone for months... what an amazing concept and support system! I was up til 4 am just soaking up all the information in these pages! Sure beats endless phone calls getting no answers or mis-information!

I began speaking with CW in February regarding my 6.25% 7 Year Interest-Only ARM (owned by Freddie Mac). I'm about 75,000 underwater. Learned that an Obama refinance would do nothing to lower my monthly payments. Took 2 months just to speak to somebody about an Obama modification. Then it took two more months for somebody to invite me to send documents and acknowledge that the Obama plan can be used my those in good-standing.

Hardship: Huge reduction of employment hours due to recession.
Based on savings, stayed current through June payment. Trying to gather July.
Gross Income: $3000
Expenses (mortgage/insur/HOA/tax): $2397
Current percentage of income for housing expenses: 79%
No other debt. Credit score above 800.
Finally accepted hardship documentation: 6/27 (took forever because I was paying).
Submitted: 2 June paystubs, 2 bank statements, 2008 taxes, hardship letter.
Current workaround status on CW web: "No results found for this account"
Status relayed on phone today: Under review for modification - not assigned yet.

I am terrified. Does anyone know what I should expect and when? Even guesses would be lovely... as of course would be advice from those who have completed this phase. I trust they don't have everything they would need to really review my file... should I send more?

[CW California]

Originally Posted by laurap

Hi CW California,
Will NACA help dealing with Citi or you have to deal by your own?.
Did your NACA proposal macthes your offer or it above the
proposal?

Thanks.

Bof A matched the proposal. I am on my own on Citi. I thought I would use the numbers for the loan safe members.

[CW California]

Originally Posted by SleeplessInSeattle

Just found this forum last night after feeling alone for months... what an amazing concept and support system! I was up til 4 am just soaking up all the information in these pages! Sure beats endless phone calls getting no answers or mis-information!

I began speaking with CW in February regarding my 6.25% 7 Year Interest-Only ARM (owned by Freddie Mac). I'm about 75,000 underwater. Learned that an Obama refinance would do nothing to lower my monthly payments. Took 2 months just to speak to somebody about an Obama modification. Then it took two more months for somebody to invite me to send documents and acknowledge that the Obama plan can be used my those in good-standing.

Hardship: Huge reduction of employment hours due to recession.
Based on savings, stayed current through June payment. Trying to gather July.
Gross Income: $3000
Expenses (mortgage/insur/HOA/tax): $2397
Current percentage of income for housing expenses: 79%
No other debt. Credit score above 800.
Finally accepted hardship documentation: 6/27 (took forever because I was paying).
Submitted: 2 June paystubs, 2 bank statements, 2008 taxes, hardship letter.
Current workaround status on CW web: "No results found for this account"
Status relayed on phone today: Under review for modification - not assigned yet.

I am terrified. Does anyone know what I should expect and when? Even guesses would be lovely... as of course would be advice from those who have completed this phase. I trust they don't have everything they would need to really review my file... should I send more?

Many of us have written an email of our dilema to the Office of the President and they generally assign a negotiator to your account. Might be worth a try. Barbara.j.desoer@bankofamerica.com

Just give a respectful version of your run-a-round and see what happens!
Start your own thread to keep us all posted and Good Luck!

[SleeplessInSeattle]

CW California,

I should start my own thread rather than be a part of the June submissions? Either way... I *already* got a call back from that email. What an amazing step!! Now - what's next?