Loan Modification with Washington Mutual

If you are facing foreclosure with Washington Mutual and need a loan modification in order to get current we can help. We have helped many homeowners stop foreclosure and save their home with our negotiators that really know the business. Get loan modification help with the best i the business. If your loan can be modified we would know. Below are scenarios we were able to help get a loan modifications with Washington Mutual.

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My husband and I have been trying to get assistance from Washington Mutual for three months regarding our home loan with absolutely no help. Our faxes have been lost, we have been continually told to call back, and never once dealt with the same person. We are transfered from person to person only to be hung up on after waiting for long periods of time and never once have been given consistent information. It is extremely difficult to reach anyone on the phone and we have spent hours on hold.

Two months ago we were told that our financial information we gave looks as if we qualify for assistance with keeping our home and this gave us some hope, as our mortgage payments have jumped $800.00 dollars. We make our payments on time and are not behind, but only because we have taken out loans to do so. We can not keep our home with this interest rate. After resubmitting the same information which was lost by the bank and after three months of being told to call back and our paperwork would be evaluated we are truly frustrated. After all this waiting we were then told to either sell our home or that if we were behind we can be given time to catch up. We are not behind so this advise did not apply to us, nor can we sell our home for our loan value. We were given no options. Obviously, our home’s value has dropped and will continue to drop as our interest rate increases. We are scared that we will have to let our house go into foreclosure, as the payments are simply to high to afford and the value is not there to refinance. Despite the fact that we have made all of our payments on time and have a steady income and have improved our credit score we can not seem to get any real information that is helpful and have been dealing with people who just seem to simply not care and feel are situation is just being avoided.

What is truly frustrating is we were initially told when we signed our refinance papers that our loan would be fixed for five years. We were lied to and believe documents were falsified. We were then told by Wamu that our loan does not qualify for the project Hope Plan created by president Bush, as we were told our loan is not a sub-prime loan. Every bit of information I read says our loan is indeed a sub-prime loan and freezing our interest rate could help save our home until the market improves, we really need loan modification help with Washington Mutual

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Help modify my loan

After ten years with the same company, my husband lost his job (it was outsourced overseas) in December. We thought it wouldn’t take long for him to get something else so we started paying our mortgage and bills on our credit cards, assuming it was a temporary solution. I have a full time job but do not make enough to cover our expenses.
We now have acquired an extreme amount of debt. We called our Washington Mutual (WaMu) and followed the procedure that they advised, which was to fill out a packet explaining our financial situation and we were to include a letter of hardship. After 8 weeks of waiting, we were rejected on a technicality and had to start the process all over again. Its now been another 4 weeks and all they do is call and ask for money but refuse to help us until our packet has been approved. If this packet gets rejected we are once again, back to square one and will owe more to them with no assistance on their part.
I believe that their process is inherently set up for us to fail. We now just want out and we will never do business with Washington Mutual in any capacity in the future.
My husband is working through a temp agency that has been able to give him a decent amount of work. We are hoping that he will be able to secure a full time job in the near future. I am still at my job as well.
I have cashed in my (small) inheritance in order to try and pay off some debt but am wary about giving WaMu any of it. We could catch up with our mortgage now but in 3 months be exactly in the same position due to their failed customer service policies. We just don’t know what to do and they are harassing us for money but refuse to allow us to negotiate or be assigned a person until the packet is approved- which may or may not EVER happen. We tried to approach this in good faith. We want to make good on this and not go in to foreclosure but they are making it very difficult to work with them. We need loan modification help with Washington Mutual

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