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Filed six times with B of A for a loan modification. B of A losy pages, never received aplication (until I gave them the tracking number and who signed for it , then it miracoulously appearsd, then it was in review (never denied), then time ran out on application and I started the whole process again. I am so VERY disapointed in B of A it literally makes me sick to the point of seeing my doctoer for stress. I am underwater, unemployed and have not paid my mortgage in 8 months. I have not been informed about foreclosure yet and thinking about bankruptcy since my credit is maxed out for bills. I have been on a strict budget (rice, beans and frozen stir fry vegetables. Is ther anyone that can help me with B of A for their will not budge except to offer deedin lieu or short sale and iI would like to keep my home. HELP!
Asked
6 months ago
Anonymous
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A loan modification is for a TEMPORARY deduction of interest and an extension of time to pay 99% of the time. If you do not have the means to pay, no loan mod will be issued. You should consider a short sale. www.CaliforniaShortSales.org if you are dead set on doing a loan modification,… you may want to read this info loanmodificationcalifornia.info
I don’t want to sound unkind, but if you don’t have the capacity to make a mortgage payment, nothing any lender can do will solve the problem.