Hello everyone. I am Dan.
I just found this website yesterday and for the last 24 hours I have been reading almost all the post and I can't anything like my case.
Let me give you a background of my case.
It is a 80/20 both with Wells Fargo.
Almost 2 years ago I started the process of a loan modification with wells fargo. I was using a lawyer to help me whit it (and with a foreclosure defense too).
Without any success or advance with the loan modification and the foreclose defense, I had set a sale of my house on February 22nd 2012. I was devastated, I stop the services of the lawyer I begun doing all this by myself. Talking directly with Well Fargo and asking them to please give me a answer before the sale date.
Just 4 days before the sale date after 2 years of back and forward, emails, calls, faxed, etc... I I received a call from Wells Fargo Home Preservation Department, telling me that my HAMP modification have been finally approved. The condition more or less the same of the other people (2%, 3%, etc....). Well I need off course pass the Trial Payment Plan process. I ask them to stop the the sale but the lawyer of the bank told me that they cannot stopped because it was to late they needs almost 10 business day to do it based the (Florida law) I am not sure.
Well for 4 days I read any page related, forum, reviews, etcc in google, trying to understand what I have to do. Finally I just go to the court the same day of the sale and asked to the judge for a Motion to Cancel and finally he canceled the sale (well it was not cancelled was suspended (July 10th 2012) until one month after my third trial payment plan.
I was doing all my pays almost 10 days before the due date. And finally 3 weeks ago I did the latest one (the third) I called the WFHPD, and I did the pay, they told me that in approximately a week I will going to received the final packaged I just need to check it I I agreed I need to signed and send them back in no more that 15 days and we are done. It was perfect.
Well after a week (June 1st) I called the same department and ask them, what happened that I didn't receive any packaged yet. They told me that there are a "little" problem. They need a subordination agreement for the second lien (Heloc), remember that my loan was a 80/20. In order to they move forward, they have to make sure that they have the first priority on my home. What? they check all the documents, they asked me to pay 3 months and it is now when they are going to check the title?,, this is normal?
This was 2 weeks ago and I didn't received any packed yet, I don't know what I have to do it. At the same time I am 2 years late with the HELOC too, I just was waiting until the HAMP was finally approved to ask for 2mp plan .
I am desperate, please any suggestion, what I can do?, this is normal? just wait, what will happens with the foreclose it is in 3 weeks.? what can I stopped? there are time?. What can I ask Wells Fargo?.
thanks in advanced