Picture 262 « Sewing Tutorial: Turtle Pincushion {With Pattern} | Free Pattern & Tutorial at CraftPassion.com

Picture 262 « Sewing Tutorial: Turtle Pincushion {With Pattern} | Free Pattern & Tutorial at CraftPassion.com.

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Designer Windows – Gallery of Special Designs

Designer Windows – Gallery of Special Designs.

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More Foreclosure Woes

Spoke today (02/24/2011) with Debbie F. @ James B. Nutter Co. (my mortgage broker). She informed me that I cannot get a HAMP modification because they HAVE TO OFFER a conventional modification first. Never mind that this is the costlier modification for me. She said I do not qualify for a FHA streamline mortgage because I had been behind in payment more than 1 month last year. She also reminded me again that it was VERY DIFFICULT and that VERY FEW people qualify for HAMP. As a matter of fact Alice N. had told me that only 1 in approx. 10,000 applications gets approved for HAMP.

This is strange: when I first applied for a modifiation I was not behind in payments and was told by Alice N. I have to be in default of the loan. They subsequently denied my application. I went into default and now I am told beacuse of the default I only qualify for a conventional modification. This seems to me to be some game to set up borrowers to become unable to qualify for a loan that would benefit them the most. I am now offered a conventional loan modification @ the current interest rate of 5.37%. Also, my term will reset to 30 years.

I have been in this house for 15 years. Seems to me that this is another ploy to extend interest payments indefinitely. This is not the kind of help that people need. In the end it only helps the mortgage industry.

More to come, this is turning to be an ugly fight with my mortgage company James B. Nutter.

AFTERTHOUGHT: I need to speak to my State representative about the HAMP program.

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More Foreclosure Dilemmas

Here is another article from the ajc-121510 Atlanta Journal Constitution on the foreclosure crisis.

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Wolfram Alpha

Incredible computational knowledge engine site.

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Posted in Uncategorized | 3 Comments

Foreclosure is rampant

These foreclosure stories are amazing! Check out an article from the Atlanta Journal Constitution.

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Posted in Foreclosure | 1 Comment