Mortgage Forum

Joel Fraser

I bought out my ex-fiancee in 5/05 with an Arm at 6.00% - knowing that I would need to re-fi come 6/08 -but not knowing what a MESS I would be in. I called in January and was told - oh, you are way too early but we have a program that will lock in your rate for three years - nothing to worry about - I said SUPER! I am totally current with loan.I called back in February - oh, you are still too early but I will send out out the paperwork at the end of the month. I filled it all out and mailed in back and fax'ed it right away. They tell me they did not receive it until March 27. On April 3, I was told it could take anywhere up to 45 days??? I had until June 1st when my mortgage will go up $325. - I am cutting it close NOW WITH IT AT $1,447. Anything extra will be impossible. I try and tell to FF this over and over. I called end of April and they tell me it went to a NEGOIATOR ASSISTANT on 4/17 and to call end of April - still with assistant.......I wait till mid-May - nothing happening and my patience is wearing thin. Last week, I got a name and her voice mail but she has yet to call me back???? - In summary, I have tried for the past five months to get this done, I have never been late with my payment, I have a secure job for the past 15 years, I love my home but I can not afford an increase in payments - WHY CAN'T I BE GIVEN THIS loan modification AND BE DONE WITH IT? Why do I have to go to absolute hell and back??? I am a single parent with two teenagers in school and I really want to keep my house!! Can anyone help me?