Hi- My mortgage company just called me on the phone. They very hastily told me I was approved for 3 trial payments starting Jan 1st . payments are $1382 per month
We are registered with Naca and have a complete Naca file. I thought our mortgage company had to go through Naca before offering us anything?
We went to the save the dream event in Miami,Nacas budget to the mortgage company was
$1059 per month. We then met with AHMSI and they crunched numers and came up with $1049 (yes they beat nacas proposal) now they've come up with $1382 per month trial payments.
I hate to be ungrateful but we were paying $1537 per month. We really needed to be in the $1049-$1054 range. With $1382 we're only saving about $150 per month versus the $500 we thought we'd be saving.
Two question please-
Is the trial payment higher for some reason,then it will drop lower?
Can Naca negotiate and make this trial payment lower?
Thanks in advance.