Comments for NYS Coalition for Excellence in Homeownership Education http://cxhe.wordpress.com Tue, 24 Nov 2009 07:07:41 +0000 http://wordpress.com/ hourly 1 Comment on Reverse Mortage Training by Alonzo http://cxhe.wordpress.com/2009/11/07/reverse-mortage-training/#comment-114 Alonzo Tue, 24 Nov 2009 07:07:41 +0000 http://cxhe.wordpress.com/?p=339#comment-114 Send updated material Send updated material

]]> Comment on Who’s getting Mortgages? by Katy Casey http://cxhe.wordpress.com/2009/09/07/whos-getting-mortgages/#comment-112 Katy Casey Wed, 07 Oct 2009 18:23:42 +0000 http://cxhe.wordpress.com/?p=323#comment-112 This article is condenming of government involvement in finace matters. The more the tail (Wall Street) wags the dog (Washington) the more federal intervention you're going to experience. The government has too much at statke as it is at the mercy of the market. Incidentally, the roofer from San Diego can't secure financing because he hasn't paid his taxes, not because he can't produce a pay stub. I hope none of his employees were ever injured on the job...you have to pay to play. This article is condenming of government involvement in finace matters. The more the tail (Wall Street) wags the dog (Washington) the more federal intervention you’re going to experience. The government has too much at statke as it is at the mercy of the market.
Incidentally, the roofer from San Diego can’t secure financing because he hasn’t paid his taxes, not because he can’t produce a pay stub. I hope none of his employees were ever injured on the job…you have to pay to play.

]]> Comment on Wachovia doing loan modifications by Marie Castellanos http://cxhe.wordpress.com/2009/02/11/wachovia-doing-loan-modifications/#comment-109 Marie Castellanos Sun, 16 Aug 2009 04:37:18 +0000 http://cxhe.wordpress.com/?p=222#comment-109 I have been trying to get a loan modification with Wachovia for well over 6 months and still no luck!!! I have been trying to get a loan modification with Wachovia for well over 6 months and still no luck!!!

]]> Comment on Wachovia doing loan modifications by Russdon http://cxhe.wordpress.com/2009/02/11/wachovia-doing-loan-modifications/#comment-91 Russdon Thu, 09 Apr 2009 23:18:44 +0000 http://cxhe.wordpress.com/?p=222#comment-91 They are still turning customers away regardless of what is posted. I spoke to someone today moving out of their house because the bank told them they could not do a modification due to the 1st and 2nd mortgage had been with different lenders? The wrong information being handed out by the BANKS is part of why the foreclosure rate is growing. This is a really sad time for families needing help with no one to turn to. They are still turning customers away regardless of what is posted. I spoke to someone today moving out of their house because the bank told them they could not do a modification due to the 1st and 2nd mortgage had been with different lenders?
The wrong information being handed out by the BANKS is part of why the foreclosure rate is growing.
This is a really sad time for families needing help with no one to turn to.

]]> Comment on Wachovia doing loan modifications by CJ http://cxhe.wordpress.com/2009/02/11/wachovia-doing-loan-modifications/#comment-90 CJ Wed, 25 Mar 2009 03:23:11 +0000 http://cxhe.wordpress.com/?p=222#comment-90 i HAVE A PICK A PAYMENT INTEREST ONLY MORTGAGE WE ARE UPSIDE DOWN ON OUR MORTGAGE.. OWE 475,000 AND WE STARTED WITH 4 30,000 MORTGAGE. WE ALSO HAVE A 120,0002ND MORTGAGE. i HAVE A PICK A PAYMENT INTEREST ONLY MORTGAGE WE ARE UPSIDE DOWN ON OUR MORTGAGE.. OWE 475,000 AND
WE STARTED WITH 4
30,000 MORTGAGE. WE ALSO HAVE A 120,0002ND MORTGAGE.

]]> Comment on Wachovia doing loan modifications by Von http://cxhe.wordpress.com/2009/02/11/wachovia-doing-loan-modifications/#comment-86 Von Fri, 13 Mar 2009 02:46:09 +0000 http://cxhe.wordpress.com/?p=222#comment-86 Just wanted to spread a word of hope and encouragement! I have met Wachovia with great resistance over the last year regarding a loan mod. I had the pick a payment loan and was 3 mos behind in the mortgage. To my surprise, I received a letter at the end of Jan '09 saying I may qualify for a loan mod. Although I was 3 mos. behind, I made 3 consecutive mortgage payments in Dec, Jan & Feb '09. I am self-employed, in business for 1 year and haven't filed taxes yet. When I called, it was very fast and efficient (that was a surprise in itself). They requested 3 months of receipts (as proof of income but I submitted 4 months), profit and loss statements for the year I've been in business (which I prepared myself), my business license, a cable bill as proof that I live in the house, and I also included a letter explaining my situation although they did not request a hardship letter. It took about 3 weeks total. I received my loan mod agreement today and am still in disbelief! I had over $100k in neg amortization. My loan balance went from $645k to $513k, they reduced the principal 20%, erased all past due fees, payments, etc, 40 yr term, interest only the first 8 years (1st 3 yrs - 2.75%; year 4 & 5 - 3.35% and a little bit higher rate each year until the 9th year), year 9 is principal and interest payment @ 6.5% fixed for the rest of the loan. Your income is heavily weighed NOT your credit, although they did check my credit. I told them that I am not paying anything on my credit report, my only concern is the mortgage. STAY ENCOURAGED. DON"T GIVE UP! TO GOD BE THE GLORY!!!!!!!!!!! Just wanted to spread a word of hope and encouragement! I have met Wachovia with great resistance over the last year regarding a loan mod. I had the pick a payment loan and was 3 mos behind in the mortgage. To my surprise, I received a letter at the end of Jan ‘09 saying I may qualify for a loan mod. Although I was 3 mos. behind, I made 3 consecutive mortgage payments in Dec, Jan & Feb ‘09. I am self-employed, in business for 1 year and haven’t filed taxes yet. When I called, it was very fast and efficient (that was a surprise in itself). They requested 3 months of receipts (as proof of income but I submitted 4 months), profit and loss statements for the year I’ve been in business (which I prepared myself), my business license, a cable bill as proof that I live in the house, and I also included a letter explaining my situation although they did not request a hardship letter. It took about 3 weeks total. I received my loan mod agreement today and am still in disbelief! I had over $100k in neg amortization. My loan balance went from $645k to $513k, they reduced the principal 20%, erased all past due fees, payments, etc, 40 yr term, interest only the first 8 years (1st 3 yrs – 2.75%; year 4 & 5 – 3.35% and a little bit higher rate each year until the 9th year), year 9 is principal and interest payment @ 6.5% fixed for the rest of the loan. Your income is heavily weighed NOT your credit, although they did check my credit. I told them that I am not paying anything on my credit report, my only concern is the mortgage. STAY ENCOURAGED. DON”T GIVE UP! TO GOD BE THE GLORY!!!!!!!!!!!

]]> Comment on First time Homebuyer Credit by Mike http://cxhe.wordpress.com/2009/02/26/first-time-homebuyer-credit/#comment-74 Mike Sun, 01 Mar 2009 11:21:37 +0000 http://cxhe.wordpress.com/?p=242#comment-74 Just passing by.Btw, your website have great content! _________________________________ Making Money <a href="http://tinyurl.com/rich-quickly/1170566" rel="nofollow">$150 An Hour</a> Just passing by.Btw, your website have great content!

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]]> Comment on Join NOW by Hala Farid http://cxhe.wordpress.com/join-now/#comment-67 Hala Farid Fri, 20 Feb 2009 15:48:02 +0000 http://cxhe.wordpress.com/?page_id=165#comment-67 Good blog... Good blog…

]]> Comment on Wachovia doing loan modifications by andy http://cxhe.wordpress.com/2009/02/11/wachovia-doing-loan-modifications/#comment-64 andy Wed, 18 Feb 2009 17:57:56 +0000 http://cxhe.wordpress.com/?p=222#comment-64 i have just heard it from Wachovia customer rep. today 2/18/2009. i have just heard it from Wachovia customer rep. today 2/18/2009.

]]> Comment on Wachovia doing loan modifications by Michael Esq http://cxhe.wordpress.com/2009/02/11/wachovia-doing-loan-modifications/#comment-55 Michael Esq Thu, 12 Feb 2009 23:03:29 +0000 http://cxhe.wordpress.com/?p=222#comment-55 I was told by Wachovia today that they are STILL not modifiying New York loans I was told by Wachovia today that they are
STILL not modifiying New York loans

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