Another AHMS in need of help

[Ibella]

Hello all. I am new here. I have been reading this forum for a couple of months now. It has come to the point where I am in need of help.
My husband and I have our mortgage with AHMS. We have an Option Arm rate. Our current payment is 2200. It will jump up two more times with the largest payment being 3500.00 a month.

My husband had a job change that cut his pay almost 50% so we are struggling. We contacted AHMS to see if they could help us. We spoke to Yurozka who said she would try to get our loan modified. She asked for a hardship letter and took our information about how much our bills were...etc... We waited three weeks with no response. My husband kept calling her. She finally answered two days ago and basically said we did not qualify.

We are very upset because we feel like she wasted our time. I told my husband to start calling Jeanie Drake. He did. We left two messages with her. We called her again today and her voice mail said she is out of town and will be out until October 23rd (or something close to that). We called Jim Davis and his secretary answered. We gave her a quick summary of our situation. She said that Jim was also out traveling with Jeanne Drake but that she would have a supervisor call us. About an hour ago Craig Holly called us. He basically said since our loan was an ARM loan there is no modification that can be done to it.

My question is, do you all think that is true? Has anyone with AHMS had an Option ARM loan that was sucessfully modified. Or is Craig true and there is nothing that can be done to help us?

We are behind two payments but we have managed to get the money together to pay what we owe. I have not sent it in yet because I have read here that they will not help you unless you are deliquent. So I am holding off on sending the money. I would appreciate any advice.
Since Jeannie Drake is out of her office should I keep calling or faxing her? Thank you for any help!

[schwefls]

Hi Ibella welcome to our forum:

I wanted to stop in say hello and assure you, you are not alone. Someone will be reaching out to you with some sound advice/suggestions. In the interim please hang in there and know that we are here for you.

[Ibella]

Thank you. I have been searching the forum for an example of the expense worksheet but can't seem to find it. Does anyone know where it is located? Thanks!

[Moe Bedard]

Hi Ibella,

Welcome to the forum and thank you for joining................

With AHMSI you can go online to your account and get the actual documents that they provide to fill out..............



This is from their website:

If you’re facing a tough situation, the best thing to do is contact us as soon as possible. You can speak with a Home Retention Team member by calling 877.304.3100. The only way we can help is if we’re able to communicate with you.

You can also log in to your account and request help online at Payment Help. There you’ll find answers to frequently asked questions, necessary forms and other materials to help you through this process.

[Ibella]

Thank you! I will check that out.