Update Option One SUCCESS AT LAST!!!!!!!!!!!!!

[WWJBD]

I am so happy for you and your story gives us all hope that we can be added to the winners circle eventually as well. I'll sleep well tonight knowing another family keeps their home.

Sean

[diana0806]

Great News. I Have Been Fighting Chase For 11 Months. You Give Me Hope. Congrats!!!!!!!!!!!!!!

[elpjohnson]

The saga and the drama continues.....here's my NEW online statement



Current Loan Information
Loan Information
Loan Number: 00xxxxxx
Property Address: 4603 xxxxxxxxxxx
xxxxxx xxxxxxx, CA xxxxx
Borrower Name:
Co-Borrower Name: ERIKA Johnson
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General Loan Information
Current Principal Balance

$586,956.31

Current Interest Rate

6.000 %
Loan Origination Date

06/13/2006

Original Loan Amount

$576,000.00
First Payment Due Date

08/01/2006

Loan Type

Conventional ARM
Maturity Date

07/2036

Payment Method

Monthly Statement
ARM Information
Scheduled/Pending ARM Information: Payment Calculation Information:
Next Scheduled Interest Rate Change Date

02/01/2009

Payment Change Frequency

006 - Payments
Next Interest Rate

*Unavailable

Interest Rate Change Frequency

006 - Payments
Next Scheduled P&I Change Date

02/01/2009

ARM Index Name

WALL STREET JOURNAL 6 MONTH LI
Next P&I Payment Amount

*Unavailable

Index Rate

2.911%

Margin

6.300%

Rounding Factor

0.125%

Payment Information
Scheduled Payment Breakdown:
Next Payment Due

10/01/2008
Last Payment Received

08/28/2008
Principal & Interest

$3,618.86
Homeowner's Insurance(s)

$136.17
County Tax

$372.18
Shortage

$48.66
Optional A & H Insurance

$37.95
Total Scheduled Payment *

$5,034.96

Payments received more than 15 days after the payment due date may require a late charge of $266.40.

* If Next Payment Due date is in the past, additional payments, charges and/or fees may be required to bring your loan current.

Outstanding Fees:
Late Charges

$266.40

*Note: Payment breakdown may not include any applicable miscellaneous charges. For additional information, please visit the make a payment page.

Year-To-Date Totals
Principal

$0.00

Property Taxes

$2,233.10
Interest

$26,040.00

Hazard Insurance

$1,634.00
Return

WHHHAAATTHHHFFF???? If you do the addition on the online statement, it only comes up to $4213.83 not $5034.96. I called them and they said that it will be changed and fixed within the next two weeks...we'll see about that. I e-mailed the statement to Marshall so he knows what is going on...ultimately, I have the signed and notarized modification and hopefully they have to stick to that....this is going to drive me nuts in the meantime. I think I'll call every few days until it's fixed to my liking....just another example of how you have to stay on top of these lenders (especially AHMSI)even after your modification!

[elpjohnson]

Oh and the new statement also says it's a conventional ARM!!!!! WTF!!!!

Believe me I am all over this like white on rice.....the drama just NEVER ends, does it?

[RudyJay]

Erika... there is ABSOLUTELY no doubt in my mind that YOU will prevail... Go gettum..

[elpjohnson]

Okay....now I'm thinking it's almost over! Christopher Lindsey is an awesome negotiator! He fixed my statement and took off all of the late charges and what not so my statement is now reading correct.....fixed 6% conventional! He even called me this morning to make sure that he touched base with me....what a great guy!

Now all I have to do is make the first payment in October and we are in great shape!

Thanks again Loansafe for all of your help and support

[Moe Bedard]

Great job Erika. I'm out of town right now, but have been keeping an eye on this thread. You are an inspiration for ALL Loan Safe members and me. NEVER give up the fight and woman, you're a bad ass fighter!!!

[elpjohnson]

**Small Update**

So, they hadn't posted my payment of $5034 to the principal balance yet so I decided to have it be my first mod payment instead (October) so I wouldn't have to go through the whole certified funds bs.....they are going to post the $4213.83 to my payment and $584 to my escrow shortage and the rest to principal....I know it's not much to the principal balance but at least I'm going 2 full months without paying a mortgage payment....and that is great in my book. I'm going to take that money and start paying off some small credit cards so I can bring our credit scores up to the 700's so we can get ourselves out of debt totally in a few years....at least that's the plan! So far so good and we are so happy this is OVER!!!!

[TXHomeowner]

That sounds like a GREAT plan, Erika! I'm so happy it's over for you, too!!

-TX

[Cowgirl]

Congratulations Erika! You had a long hard fight. I hope your hubby is safe and soon you will both be celebrating the Holidays with Joy and Peace in your hearts. I can't remember what it is like to lie down on my pillow without tears at night. We are still struggling, we have an attorney working with Countrywide and now in the negotiating process. I just got the first offer yesterday from CW and it made me sick to my stomach but my attorney had to remind me it is their first offer. I think of you a lot.

Sincerely,
Cowgirl

[elpjohnson]

Cowgirl....

I am so relieved it's over for us...I've been really praying for a positive outcome for you and your husband.....as you know, it's a long wait but I know you're in good hands with your attorney on your side, I am very confident you'll be able to save your home....I think of you often and pray for you everyday.

God bless!

[elpjohnson]

Well, we've made two payments on our new loan modification....and it seems as if we are saving approximately $250 per month....our payment is around $4165 (which is still a lot) but somewhat manageable. This month has been a little bit of a struggle because my husband hasn't been working as much overtime so I've really had to squeeze our budget but things are working out okay.

I just wanted to encourage everyone to keep fighting.....it took me 10 long months to get my mod and I believe everyone here DESERVES to get one too! Fight on!

God bless and you are ALL in my prayers!

[RudyJay]

Hi Erika .. Nice to hear all is alive and well... As we go through the "seasons" best wishes to your and your family... To all else who reads this...Keep moving forward...Like Erika says we all deserve to have a home ..

[elpjohnson]

Thanks RJ I really appreciate the well wishes...I extend the same to you and your family during the upcoming holiday season as well!

[Moe Bedard]

Hey Erica! Glad to hear all is well for you and your family. I wanted to let you know that I have your card up in my office and am framing that shirt because it means a lot to me. I love that you still encourage people and let them know that it can take months, many months, but to never give up!!

Anyways, thanks for sticking around and I wish you the best!

[elpjohnson]

Hey Moe!!!!

Great to see you too! I am so happy that you love the card and shirt I sent you...it was the least I could do for all that you did for me and my family. This place is so special to me and I will ALWAYS be around lending a helping hand where I can!

I am convinced you were put on this earth to do this good work and to help people stay in their homes....I've said it before and I'll say it again, you are an angel here on earth.

Say hello to the family for me! Take care, Moe and I pray for you daily.

God bless and keep up the fantastic work!

[Moe Bedard]

Erika, why do these words make tears come to my eyes? I haven't welled up like that in a while (once I read your words) It must be true because my passion and drive is coming from up above and its amazing how I go 7 days a week, 18 hours a day. Sometimes I feel it too that I am here for a reason and all these bad forces are against me, but I must continue on because God has placed me here for this purpose.

And do you know how great it is living a purposeful life? It is the best ever and I must continue giving back. It was as if I gave for so long, God has taken care of me 100% and I want to take care of all of you.

Can I make you an official Loan Safe Moderator/Guide? That would be awesome !!!!!

God bless you Erika and you keep spreading your seeds of hope because that is what you are here to do!

[elpjohnson]

Absolutely! I would love that! You know I would take that job very seriously and help out as much as possible....I would be honored!

The reason why you get so emotional is because this is your passion.....you are being taken care of because you take care of others.....you follow the golden rule "Love thy neighbor". I truly believe that we all have a purpose here on earth, and your purpose is to help families (like mine) stay in their homes....I remember when I first joined, this was just a small community...now look, it's grown so much and you are making a HUGE difference in people's lives! I am one example of that. So, if you ever feel overwhelmed or discouraged look at my thank you card or this thread and remember YOU MADE A DIFFERENCE IN MY LIFE!

[Moe Bedard]

Deal, your our new Loan Safe Guide and Moderator!

Thanks you Erika and I thank you God for blessing me with people like you!

[elpjohnson]

No, thank you....I promise to help out as much as I can! This is great!

[elpjohnson]

I just placed a call to Jim Davis' office and left him a VM thanking him for helping me save my home. I also thanked him for helping members here on the forum. I thought it would be a nice gesture.....

[Moe Bedard]

You know what, that is an awesome gesture and I am sure they don't get that too much.

[scarednmontana]

Hey lady, hows it going...see your still at it....well bet you were wondering what happened to me....Still no resolve and had to lose my mind for a few months....i guess taking a time out was the plan but really no further than before....alot of stress here and its been not sooo great...i can attest to those who are going thru this...It can take a toll on you mentally....thought i would drop in and check out whats been going on and get caught up....wanted to say hello first....

[elpjohnson]

Well, here I am again......1 year later! Recently, I was sent a package from AHMSI for the HAMP program. Now, I feel like I'm beginning this stressful process all over again. We have had a rough 2009 barely making it at times and now my husband is off on workers comp. and has to have knee surgery.....bye bye overtime! So here I am, a newbie all over again. I've really missed everyone and hope all of you are well! I'll be asking plenty of questions so please be patient until I get my footing again. God bless! E

[ama125]

Originally Posted by elpjohnson

Well, here I am again......1 year later! Recently, I was sent a package from AHMSI for the HAMP program. Now, I feel like I'm beginning this stressful process all over again. We have had a rough 2009 barely making it at times and now my husband is off on workers comp. and has to have knee surgery.....bye bye overtime! So here I am, a newbie all over again. I've really missed everyone and hope all of you are well! I'll be asking plenty of questions so please be patient until I get my footing again. God bless! E

Oh dear! I guess I should say welcome back, but that just sounds wrong! I am so sorry that you have to return. Ask away...we are all ears!