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    Success... At long last!

    My saga that began July 6, 2009 is finally over! 22 months later, I have a loan modification with Chase. All I can say is I've already booked a weekend vacation to celebrate. This has got to be one of the most perservering endeavors I have ever encountered in my life. Chase is very difficult to...
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    Pinball game: Other, no co-borrower, no Other... which is it?

    So I am updating my financials for the 429th time with Chase and using the income of a second wage earner now in the household (spouse, unmarried). They live with me in the property as of Dec 2010, have bank statements addressed to the property, etc. Round 1 - week of March 7th - I call...
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    I have 2 names!

    So 20 months into this mess, I find out and get confirmation this week that Chase has two modification folders (NOT two different files or applications) for me in their "document control system" (the system they upload everything to when you send in pay stubs, etc.) Turns out I have two folders...
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    Now What!? Who ELSE can I call at Chase? Besides Chase?

    I've already escalated my modification denial to the office of Jamie Dimon, who passed it back through Chase's executive office and back to EMC's executive office. (I have an EMC loan; EMC is owned by Chase so most of the loan mod correspondence comes from Chase, my loan statements say EMC.) The...
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    "Your investor doesn't participate in HAMP"????

    Can this be true? I know I have a non GSE (non Fannie/Freddie) loan but yesterday for the first time I was told by loss mitigation that my investor doesn't participate in HAMP. My lender (Chase) does but the investor on my loan does not. Before yesterday whenever I asked what modification...
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    Denied AGAIN! Now What!?!?

    Received a call from Loss Mitigation (no letter yet) this morning from Chase RE: denied AGAIN due to lack of income. For those that haven't read previous posts on my situation, here are my particulars/income as of 1/2011: Monthly gross: $7250... W2/payroll wages - monthly gross: $5248...
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    Any info on Chase Business as Usual OR CHAMP in house modification programs?

    I'm being reviewed for two in house modification programs with Chase and possibly re-reviewed for HAMP as well. (Still trying to get a straight answer on the HAMP re-review.) I did a few searches for information on the Business as Usual and CHAMP in house modification programs, but didn't...
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    Does anyone know anything about temporary payment agreements?

    Chase says I need to talk to relationship management to set up a temporary forebearance agreement or temporary repayment plan while being review for a modification again. This is not a trial period payment I don't think but a "temporary payment agreement"; from what I gather they're two...
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    Chase: Denied... Now What?

    I have been denied for a loan modification after waiting for over one year. I have gross income of over $6000 on a $2500 mortgage. Doing the calculations to 31% debt to income, it seems I could get a monthly payment of about $1890. But I'm being told that I don't have enough income and that I...
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    My 3rd denial... I think

    Hi - this is my first true post and I was hoping some of the folks on here could give me some advice on next steps. I've read this site for months to do research, gather information and just because its nice to interact" with folks in a similar predicament. My brief story: I was out of work...