Mortgage Forum

Mike

Hello everyone! Thank goodness for this site. I am hoping I can get some help on how to get my "negotiating team" negotiating. I'll give you guys the rundown.. I own a home in Florida. My husband was offered a job in California in December 2006. It really was an offer we could not refuse. We took several months to decide then started making plans to leave. We advertised our home for rent and found a realtor to place it on the market. The realtor thought she could sell it in a pinch, no such luck. We moved in June of 2007 by September we were no longer able to pay rent and our mortgage. We have three kids so moving in with friends wouldn't work. Our savings has been used up to pay the mortgage and so we haven't been able to move back either. We called Countrywide to set up for a deed in lieu before we missed any payments. After four months of back and forth with our negotiator he suggested we try to modify our loan if we could move back. He told us we could roll what we owe in and reset our rate to the introductory rate for 30 years. We didn't think we could move back but my father-in-law offered to help. We faxed the information they needed to start on the modification in early March. We called the next day they said our new negotiator, Kenyetta Thompson, would get back to us in 15 days, no longer than 30. We have called and called and called. They change the story on us each time. Recently they told us there was no way we would get a fixed rate. They have switched our negotiator three times. They haven't moved on our case at all. They don't take down the notes on our account that they say they will. My husband spoke with someone for an hour today. This person claimed to have sent an email to Kenyetta and her supervisor. When I called back there was no record that my husband had even called. We have already begun the process of moving back. My husband and I both have jobs waiting for us. We have arranged movers, transport of our car, transport of our family, and started up our utilities. Most frighteningly we told our landlord we will not renew our lease. So no matter what we have to move out June 1st. We are scared to move back and have Countrywide pull the rug out from under us. We have asked for them to expedite the process for us. We need an answer by May eighth at the latest or we will not move. We cannot afford to throw our money away, not to mention my father-in-law's, by moving and losing our house. We still haven't spoke with our negotiator, Kenyetta, at all though!! How can I get them to move?