After I was refused for a HAMP modification - it only took AHMSI five months to decide this - they came back with what they called an in-house modification offer. I scanned the Schedule A so everyone can take a look:
Here's some background, and why I'm so annoyed:
1. AHMSI gave me the three-month HAUP forebearance when I lost my job in mid-2010. However, it only took me five months to get another job. I wanted to start making my full payments again, but AHMSI said "no, your loan must be modified". This was so they could collect HAMP money - they don't have to actually qualify a borrower for HAMP to get funds for going thru the mod process.
2. After turning me down for HAMP, saying my Debt to income was too low, they offer me a mod that will take half of my take-home pay. Click on the link to check it out.
3. My taxes are paid in full but AHMSI won't remove this, even after I sent them a receipt from the county appraisal district.
4. Junk fees and bogus charges galore!
The crowning insult is that they also want me to pay over $10,000 in late fees. Remember, this is the same bunch who refused my payments while they pretended to consider me for a HAMP mod. During this time, they lost my faxed app three times. I still have my Transmission Successful docs to prove they got them.
Since I'm in Texas, it looks like the only way I can get out of unaffordable mortgage payments is to file for Chap 13 or walk away. I don't want to do either, but AHMSI won't consider lowering the payments. Any suggestions? I'd be happy to pay an attorney with a record of successfully challenging AHMSI.