Joe & Linda - Tustin, CA - Attended 5/12 Anaheim Event
Linda suffered an injury during the Chino Hills earthquake in 2008 and Joe had an accident that required surgery. As a result of lost income due to medical problems and medical bills they filed for bankruptcy in 2008 and fell behind on their mortgage with Chase. They have been working with Chase in an attempt to stay current and decided to attend the event in Homeownership Preservation Event in Anaheim.
"Chase has always taken good care of us and we are extremely grateful for today's event. Everything seems to be on cue with our modification and we definitely are starting to see a light at the end of the tunnel. The Chase representative we dealt with today was very helpful and even though we've been here for a long time today, it was well worth the wait to have some peace of mind," said Joe. - Joe & Linda - Tustin, CA - Attended 5/12 Anaheim Event
Claudia - Moreno Valley, CA - Attended 5/12 Anaheim Event
Claudia heard about HOPE NOW's event from a friend and made the drive from the Riverside area to attend. She has been working with Homeward Residential since September 2009.
"We were in and out of here in less than an hour and the word from American Home is that we are on target for a loan modification that will effectively cut our monthly payments in half. The event was well organized and professional and the person I met with was able to answer all of my questions. Of course, I didn't realize that there was an upcoming event in San Bernardino this week until I was on my way here, but I'm glad I made the drive to Anaheim today." -Claudia - Moreno Valley, CA - Attended 5/12 Anaheim Event
Ashraf - Irvine, CA - Attended 5/11 Anaheim Event
Ashraf was in good shape when he purchased his home five years ago, but the economy affected his salary and he found himself two months behind on his mortgage. After submitting documents several times since September to Chase, he heard about the event in Anaheim and came in to talk to a representative.
"I was shocked that I was actually getting the chance to talk face to face with a real, live person. That put me in a good frame of mind immediately. Talking to a live person was huge and I feel like I am getting some closure today. Even though I don't have a final decision, I feel like everything is now progressing in the right direction. Chase now has my complete application package and I was told that a decision was coming shortly." - Ashraf - Irvine, CA - Attended 5/11 Anaheim Event
Kristine - Glendale, CA - Attended 5/11 Anaheim Event
After her husband's business suffered a hardship and her job was cut from 12 months to 10 months a year, Kristine and her family feel behind on their mortgage. She was able to get a trial modification from GMAC right away, but when the final package came the payments were larger than she could afford. She found out about the Anaheim event from a friend and was able to talk to a GMAC representative who will be able to have the trial modification application reviewed right away.
"Things have definitely been difficult for the past year, but I feel confident that GMAC will be able to work with us. Coming to this event today was a great decision and I was impressed with the organization and the professional manner in which everyone handled themselves. I wish I could get a decision today on my mortgage, but I have assurances that I will hear from GMAC very soon." - Kristine - Glendale, CA - Attended 5/11 Anaheim Event
Martha - Mission Hills, CA - Attended 5/11 Anaheim Event
Martha found out about the event via a letter from Citi. After her husband lost his job in the construction industry, the family was not able to make their mortgage payments just based on Martha's work as a dental assistant. Their HAMP trial modification application was rejected, so they reached out to Citi for another solution. Fortunately, Citi was able to pre-approve Martha's family for a proprietary modification that reduces their interest rate to 2.99% and cuts their monthly payments by more than $800.
"I came here today expected everything to be disorganized and chaotic. However, it was exactly the opposite, and obviously I am incredibly pleased with the result. People need to realize that the banks want to work with them. We were disappointed earlier this year to find out that we were rejected for a government loan modification, but if I hadn't reached out to Citi and come here today I would have never known that there are other options available." - Martha - Mission Hills, CA - Attended 5/11 Anaheim Event
Helen - Tracy, CA - Attended 6/3 Oakland Event
Helen had been current on her mortgage, yet was making payments without escrow. She recently became unemployed and found herself short on her payments. After several months of back and forth with Chase via the phone, she attended the event in Oakland, CA. After meeting with Chase, she was able reach a solution with a loan modification that will be affordable to her.
"I am happy I came today. There has been a lot of miscommunication on the phone and it was worth the wait to meet face to face with my lender. It definitely paid off to come to this event. I am please with the outcome and glad I was able to get a permanent loan modification." - Helen - Tracy, CA - Attended 6/3 Oakland Event
Lisa - El Sobrante, CA - Attended 6/3 Oakland Event
When Lisa purchased her home, she was able to easily make payments with two incomes. Unfortunately, some of that income was lost in 2008 and she expended the bulk of her savings trying to stay current on her mortgage. With her 5 year ARM about to adjust, Lisa found out about the HOPE NOW event through an article in one of the local weekly papers. She was able to meet face to face with Bank of America and get all of her questions answered. While no decision was reached on site, she was told which documents she was missing and also told that a response would be coming in no more than 15 days.
"This event turned out to be a positive experience. Everyone was helpful and friendly, and the event was very well-organized. The Bank of America rep was very non-judgmental and answered all of my questions honestly and with a smile. I was in and out in just a short time, hopefully with good news. I certainly feel better now than when I first arrived." - Lisa - El Sobrante, CA - Attended 6/3 Oakland Event
Harish - Pleasanton, CA - Attended 6/4 Oakland Event
Concerned about the rising cost of living and some additional family expenses, Harish found out about the HOPE NOW event on the internet and decided to come in and meet with Wells Fargo to discuss any options available to him that would make his mortgage more affordable. He gathered all necessary paperwork and spent a full day researching his situation before coming to the event.
"It was important for me to fully understand my situation and although I waited for a while to speak with a Wells Fargo representative, this was well worth the wait. It makes a huge difference to be able to actually sit down and meet with someone face to face, who can intelligently discuss the options available. The best part was the fact that Wells told me that someone would contact me within a week to review the options available." - Harish - Pleasanton, CA - Attended 6/4 Oakland Event
Alice - Brooklyn, NY - Attended 4/28 Long Island Event
After her husband was forced into an early retirement, Alice found it difficult to continue paying the mortgage on just one income. Additionally, there were expenses for adult and child care that were mounting. A friend told her about the HOPE NOW event in Long Island and Alice went ahead and sent Ocwen all of the necessary paperwork before showing up. On site, Ocwen was able to set up a loan modification that reduced the mortgage to a lower percentage, effectively cutting the monthly mortgage payment in half.
"I waited for a long time and the computers went down for a while as well. Luckily, Ocwen was able to get back up and running and they offered me a reduction on my mortgage based on my application. I am very thankful that Ocwen was able to offer me a loan modification I could afford." - Alice - Brooklyn, NY - Attended 4/28 Long Island Event
Harold & Sharon - Cedarhurst, NY - Attended 4/29 Long Island Event
Harold and Sharon found out about the event in Newsday and came in to meet with a representative from Bank of America. Harold was recently laid off, so the couple is trying to stay afloat in the face of mounting bills. Fortunately, Bank of America was able to offer them forbearance while the couple gets back on its feet, financially.
"We spend of two hours here today and I am please with the result. A 90-day forbearance isn't ideal, but it certainly gives us breathing room. Additionally, Bank of America told us that they would reassess our situation in 90 days. Most importantly, the rep we worked with was friendly, compassionate, professional and thorough. It made the experience worthwhile for us," said Harold. - Harold & Sharon - Cedarhurst, NY - Attended 4/29 Long Island Event
Dale Ann - North Babylon, NY - Attended 4/29 Long Island Event
Dale Ann's family refinanced their mortgage after her husband had been out of work for a while and medical bills for her daughter were mounting. While the family is current, they are struggling and looking for some mortgage relief in a down economy. Dale Ann's lender was not at the event, but she was able to meet with a local, non-profit, HUD-approved housing counselor who was able to access the situation and provide clarity.
"The counselor was very knowledgeable and offered great advice and tips. She walked me through the documents I needed for a fully completed loan modification application and told me that once I submitted the few missing documents, she would be able to work with my mortgage company. Overall, this was a great experience and I feel a sense of relief. Most importantly, the counselor made me feel like a valuable person." - Dale Ann - North Babylon, NY - Attended 4/29 Long Island Event
Michael & Tanya - Henderson, NV - Attended 4/10 Las Vegas Event
Mike recently lost his job as his wife Tanya was starting her new cleaning business. They fell three months behind on their mortgage which prompted a call from their lender, Citi, since they had never been late with their payments before. Citi told them about the Making Home Affordable program and encouraged them to apply right away. They attended the document collection event in Las Vegas, submitted their paperwork and were approved for a trial loan modification that reduced their monthly payment by 52%.
"This will help a lot as I look for work and my wife launches her new business. We will do anything to keep our house," said Michael. - Michael & Tanya - Henderson, NV - Attended 4/10 Las Vegas Event
Judi - Las Vegas, NV - Attended 4/9 Las Vegas Event
Completed the trial modification paperwork and received a phone confirmation from Bank of America prior to the event, but still had some doubts that the application was complete. She attended the event because it was important for her to get confirmation from someone from Bank of America in a face to face situation.
"It was important for me to sit face to face with someone and go over my situation. I recently started a new job so I wanted to make sure all of the documents for my trial modification were in order. It turns out that the bank just needs my hardship letter to complete the application, but I feel good about my prospects for getting a loan modification. I'm really glad I took the time to come to this event." - Judi - Las Vegas, NV - Attended 4/9 Las Vegas Event
Terry & Aqua - Las Vegas, NV - Attended 4/9 Las Vegas Event
These folks heard about the event through a radio ad and attended since they had been going through some recent financial trouble and were not sure they could afford their mortgage payments any longer. They met with Wells Fargo and were able to get all of the information necessary for completing their loan modification application.
"Wells Fargo helped us fully understand the paperwork we needed to fill out in order to apply for a loan modification. But most importantly, we were informed that we had an excellent chance to save our home," said Aqua. - Terry & Aqua - Las Vegas, NV - Attended 4/9 Las Vegas Event
Deborah - Henderson, NV - Housing Counselor from Auriton, 4/9 Las Vegas Event
"I've had the opportunity to spend the last two days working with Las Vegas homeowners who are struggling with their mortgages. So many folks here are upside down on their mortgages and we are committed to sitting down with these people and helping them understand their options so that they can remain in their homes." - Deborah - Henderson, NV - Housing Counselor from Auriton, 4/9 Las Vegas Event
Susan - Reno, NV - Attended 4/6 Reno Event
Susan attended the event to get clarification on her loan modification application and to make sure that it was in process. She met with a representative from Chase who confirmed that she was in the system and that a decision was coming soon.
"By attending today's event, I was able to get the answers I needed and I probably helped my situation by meeting face to face with someone. Chase answered all of my questions and told me that I would get a phone call in 7-10 days since all of my paperwork was indeed complete. It didn't take long and I now have some peace of mind." - Susan - Reno, NV - Attended 4/6 Reno Event
Will - Portland, OR - Attended 3/23 Portland Event
Worked with Chase. No on-site resolution, but went to the HOPE NOW web site after he heard about the event and used the information to bring in all of the necessary documents for a completed loan modification application "I was tired of bad information and scammers, so I was happy to learn about this event. It didn't take me very long to get through the process, so it was totally worth it to come here today and take care of this. I went to the HOPE NOW website and found out what documents I needed to bring with me. It was that simple. I met with Chase, was able to submit a complete application with no missing documents, and I was told that I would have a decision in 5-7 business days. I may not have gotten a final decision today, but at least I know my application is finalized and I will have a decision quickly." - Will - Portland, OR - Attended 3/23 Portland Event
Leslie - Mechanicsville, VA - Attended 4/17 Richmond Event
Leslie was laid off in May of 2009 and has been proactively working with Bank of America to achieve a workout. Even though her family was current on their mortgage until recently, she stayed in close contact with the lender. Her husband heard bout the event on a radio station and encouraged her to attend.
"I'm really glad I took the time to come here today to talk to Bank of America. I worked with a wonderful person on-site and I am happy to say that we were pre-qualified for a Home Affordable Modification today." - Leslie - Mechanicsville, VA - Attended 4/17 Richmond Event
Sonja - Mechanicsville, VA - Attended 4/17 Richmond Event
Sonja, her husband and their eight children (two with special needs) fell behind on their mortgage after Sonja lost her job. They have been in the home for six years and want to remain in it longer. She heard about the event from a radio ad and came in to talk with GMAC. She was told by GMAC that her paperwork looked good and that she should expect a decision in ten days or less.
"I was very nervous about coming in today, but we have been working with the bank and I definitely feel like there is a light at the end of the tunnel after meeting face to face. I was told that the paperwork is mostly in order and that a decision is coming soon. I also feel confident that the decision will be good news and that's important when you have eight children and are currently trying to get by on one income." - Sonja - Mechanicsville, VA - Attended 4/17 Richmond Event
Edriene - Richmond, VA - Attended 4/17 Richmond Event
"I was pleasantly surprised to find out that this was actually an opportunity to meet face to face with my mortgage company and not just a series of informational lectures. I had already made an appointment for a short sale before today, but my bank was able to give me a 90-day forbearance which definitely gives me more breathing room. I am so thankful that this event was held today and that I had this opportunity to meet with someone and save my home." - Edriene - Richmond, VA - Attended 4/17 Richmond Event
Tim & Rae - Tacoma, WA - Attended 3/25 Bellevue Event
Been in house for five years, just remodeled and both were laid off. Tim is contractor and Rae is office worker. They have no other debt other than the house. Worked with GMAC and received a 6 month reduction while they find employment.
Rae: "When I first got the letter from GMAC, I was sure it was a scam because it sounded too easy, but my husband convinced me to come to the event. We are facing an unemployment situation and are determined to keep our home. Showing up today was well worth the effort as our lender was able to reduce our monthly payments by almost half for the next six months. This will help us greatly as we try to get ourselves back into the workforce." - Tim & Rae - Tacoma, WA - Attended 3/25 Bellevue Event
Ft. Lewis Carrie Mark
HOPE NOW's members are helping the men and women who serve in our nation's armed forces.