Has anyone tried to do a loan modification on their mortgage?
I have my mortgage through Chase. I just called them to see about a loan modification cause our payments are to high and they said we are late 1 month from back in June. We do a bi weekly payment. Which she told me will be cancelled cause of none payment for June. All I kept reading was about how to contact your mortgage company right away if you have hardship. Well I did and all they were worried about was how I am gonna pay my delinquent account.She must have asked me 4 times how I was gonna pay this back payment Then she proceeds to tell me that cause we were late that we are going to get collection calls. Yeah know what does it take to get some help when you need it. I totally give up.
My husband was out of work for 2 months over the summer and we got behind. My new job pays me less money. And they over extended us on our refinance back in April. We are now upside down with our house. And the cost of living in general is rising dramatically. The fact is not everyone is as fortunate as others with their finances.