Recent content by kellyaw

  1. K

    Bagels at a Bar Mitzvah

    Just read that the judge did not approve the sale to Ocwen/PHH. Apparently all consumer complaints have to be addressed before a sale can take place. Saw it on Bloomberg.com
  2. K

    Ditech sale

    Second mortgage was sold to Ditech as a chargeoff. I send them a small amount every month and after 7 years it finally dropped off my credit report. Still owe them about $40,000 and I am current on my first mortgage with very little equity. My question is, now that Ditech is being sold...
  3. K

    My HSBC 2nd mortgage negotiations round 3

    I never thought I would write these words but I just had a huge success with HSBC. I am three months behind and my dedicated loan specialist, who I actually love, called and said she has no idea why or how this happened but my account was placed under review and they are waiting for me to send...
  4. K

    Greentree

    The agreement was verbal and what is a QWR ?? The other member posted that he sent 2 QWRs but I don't know what that is and should I send one to Greentree ?
  5. K

    Greentree

    Thanks Moe ! I love this site and you all are the reason I found NACA and get the permanent mod. Green Tree is offering me 50% which is not going to happen. My follow up question is...as long as I am paying them something each month is there anything they can do to me (i.e. sue, forclose). I...
  6. K

    Greentree

    Had my first modified with the help of NACA. Second charged off and sold to Greentree. I have been paying them each month but find it more difficult to give them the amount they insist on. Even with the modification the first is underwater. They offered a settlement of 50% which is out of...
  7. K

    Success with NACA and HSBC Permanent Mod

    Details: Old loan amount $477,000 Interest 8.9% Payment without taxes and insurance $4,097 New Loan amount $477,000 Interest 4.4 fixed for life of loan (22 years remaining) Payment WITH taxes and insurance $3,500
  8. K

    Success with NACA and HSBC Permanent Mod

    Thank you to everyone on this forum and especially to NACA. I stopped paying my mortgage in March and started working with NACA in April. Yesterday I received a permanent modification offer from HSBC that was better than anything I could have ever hoped for. If it wasn't for this forum I...
  9. K

    Many Here Can Relate

    Hi Cat, Just wondering if you can tell me the best way to get a copy of my PSA. Original mortgage was with New Day Financial and was transferred to HSBC. Thanks so much.
  10. K

    Denied Modification by HSBC -Now What ?

    Hi Michael, could we set up a time to discuss this in more detail. I did receive your email and would like to move forward. Spoke to HSBC again yesterday and they told me that the BPO that they did on my home came in at $340,000. I currently owe them $529,000. The rep I spoke to was from the...
  11. K

    Denied Modification by HSBC -Now What ?

    Haven't heard yet - should I contact him ?
  12. K

    Poker Face With Citimortgage

    Hi Sid, I actually received the same thing from HSBC regarding insurance. When I called the HSBC insurance dept they said everything seemed in order and they had no idea why I was told there was an issue. SHe also told me that they don't even track nor do they care about insurance on a second...
  13. K

    Denied Modification by HSBC -Now What ?

    Michael, I sent you an email this morning. Please let me know if you do not recieve it.
  14. K

    Denied Modification by HSBC -Now What ?

    Thank you all, I will contact Michael tomorrow. Thank God for you all and this site.
  15. K

    Denied Modification by HSBC -Now What ?

    First mortgage balance $477,227 Second mortgage balance $51,865 Combined Payments $4,982 ($4,091 + 891) Interest Rate on first 8.9% and 13.9% on second (both just adjusted in February) Home value based on Zillow $401,000 Monthly gross $9,578 Monthly take home $6,370 Modifications ran out and...