I am with Countrywide (now B of A). My home was surrendered and discharged in chapter 7 A YEAR AGO Sept. 2008. I finally got a notice of trustee sale for May '09. It has been postponed 4 times now (was supposed to sell today) but was pushed to next week...which is better than 2more months like usual.
We have not lived in the house (per our attorney) for a year! We did call lender once after Obama was in office to see if we qualified for a workout and maybe it would make sense to move back. It was in workout from March to Aug. although we didn't know about it until the auction was postponed the 2nd time. We DID get a loan mod adding the missed payments to the back of the loan and fixing out interest rate (was an interest only arm). But we did not respond to the loan mod as we would then have our second to deal with and also the property is vacant and it was discharged so technically I don't think they should have given us a MOD anyway.
This is our story so far! We want the bloody home to sell to we can begin our 3 year waiting period to buy FHA again.
Just FYI!
We have not lived in the house (per our attorney) for a year! We did call lender once after Obama was in office to see if we qualified for a workout and maybe it would make sense to move back. It was in workout from March to Aug. although we didn't know about it until the auction was postponed the 2nd time. We DID get a loan mod adding the missed payments to the back of the loan and fixing out interest rate (was an interest only arm). But we did not respond to the loan mod as we would then have our second to deal with and also the property is vacant and it was discharged so technically I don't think they should have given us a MOD anyway.
This is our story so far! We want the bloody home to sell to we can begin our 3 year waiting period to buy FHA again.
Just FYI!