Hello, We started our loan modification with ASC / Wells Fargo last year. We were approved for the Making Homes Affordable program in November 2010. We had to make three trial payments starting January 2011-March 2011. At the time we were two months behind on our mortgage. We have make all of our payments and have continued to make the same payments. We recently got a letter telling us we were still delinquent and had to pay our past due by April 19th. When I talked to our Modification specialist he said they don't even start doing the permanent modification process until 30 days after your last trial payment which would be April 1st.
Today we got a note on our door saying that an independent field inspector from our mortgage company came by. What does this all mean? Should I try to make an extra payment at the beginning of April, or just wait it out. When we got our approval for the mod it said that our interest rate would be 4.75% but our current trial payments are only about $40.00 less then our regular payments that were at 6%. What happens now? Any help would be appreciated! Thanks!