HAMP Experiences: Did it go through if not why?

[relief13035]

relief, who is your mortgage company?

CitiMortgage

[Lajazz947]

Wachovia loan mod

As usual I get antsy and want to have everything ready beforehand.

Since my BK took 9 months it was really frustrating.

It seems as though wachovia is generally friendly from what I read here.

Having said that I was just closed on Oct 23rd, 09 and have had weekly conversations with Wachovia. I am now 5 months behind and here is what they have repeatedly told me:

1- I am still their BK dept and they are closing my case.

2- It then goes to the loss mitigation dept.

3- I spoke with the loss mitigation dept yesterday and they were very friendly telling me that they are working on HAMP and MAP. I have a $732,000balance which is over the $729,000 limit so I cannot do HAMP unless the threshholds are raised.

4-They gave me a ton of info on what I will need as far as documentation goes. I can post it if anyone really wants to know all they need and be prepared.

5- Have not heard a WORD from WF on my 2nd but I know I need to start with them soon.

6-They just told me to hang in there unitl it gets out of the BK dept. They SEEM to be very proactive on the modification process.

[manifest]

How long does the servicer have once I have submitted ALL of my docs? I submitted ALL of my docs to Loss Mit. May 4, 2010. No communication as of today... (Litton Loan Servicing)....

[tknj99]

I was pre-qualified for HAMP verbally and made trial payments from Febrary thru June. After reading about how the bank strings people along and then denies them (BofA), i have decided to walk away from the home and wont be paying for July. As the home is underwater - i'll just live there for free (with HOA fees) and save up.. being that im in Florida i'll have 1-2 years