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moonrambler · 08-10-2009, 03:26 PM

I did the mantra chant Wednesday morning and Wednesday evening.

Friday I called my mortgage company to make my house payment. I've been on a repayment plan which is significantly higher than my usual payment, because when I was having so much financial trouble in 2007 I got far behind on payments. It was a huge major endeavor to accomplish the acceptance of this payment plan. At one point they actually had put the house into the foreclosure process, and it took me half a year to get it out of foreclosure. Practically every day since then, I've had an underlying anxiety/fear that something would happen to make everything fall apart and I'd be back in that situation again.

Anyway, Friday I called my mortgage company to make my house payment, and the guy said he sees that I've been approved for a loan modification and my payments are now $300 lower than what I've been paying on the repayment plan. In fact, they're lower than what my standard payment used to be.

I can't even begin to tell you how huge this is. I was speechless. I was stammering into the phone. This company, which is an umbrella holder of mortgages held by banks, and I have been working for 1-1/2 years to get the individual investor bank to approve a loan modification and they had turned down every single proposal.

At the end of June, they said I should apply under the new government mortgage plan. It took several weeks before they sent me the paperwork, which is very long and involved, and I put it on a table to work on one of these afternoons.

Friday, the guy told me the loan mod had been approved on June 26. I have no idea how that could be, since I'd called the first week of July to make the (large) house payment and nobody said anything about it.

I was so disbelieving that I called again Saturday, and they assured me that yes, the loan mod has been approved.

You guys -- I never even sent in the paperwork.

I can't even tell you how huge this is. (I think I already said that.

) It gives me room to breathe. It gives me a chance finally to pay everything else I'm behind on instead of constantly making minimum payments and having to keep negotiating with everybody.

They're dropping the interest rate and lowering the payments . . . and taking two years from the middle of the loan and either moving them to the back of the loan or redistributing them over the rest of the loan.

That two years comes out to just about $15,000, the specific amount I've been manifesting for.

I can't even begin to tell you how huge this is.

08-10-2009, 03:26 PM	#108 (permalink)
moonrambler Family Member Join Date: Dec 2007 Location: N.E. Wisconsin Posts: 3,473	I did the mantra chant Wednesday morning and Wednesday evening. Friday I called my mortgage company to make my house payment. I've been on a repayment plan which is significantly higher than my usual payment, because when I was having so much financial trouble in 2007 I got far behind on payments. It was a huge major endeavor to accomplish the acceptance of this payment plan. At one point they actually had put the house into the foreclosure process, and it took me half a year to get it out of foreclosure. Practically every day since then, I've had an underlying anxiety/fear that something would happen to make everything fall apart and I'd be back in that situation again. Anyway, Friday I called my mortgage company to make my house payment, and the guy said he sees that I've been approved for a loan modification and my payments are now $300 lower than what I've been paying on the repayment plan. In fact, they're lower than what my standard payment used to be. I can't even begin to tell you how huge this is. I was speechless. I was stammering into the phone. This company, which is an umbrella holder of mortgages held by banks, and I have been working for 1-1/2 years to get the individual investor bank to approve a loan modification and they had turned down every single proposal. At the end of June, they said I should apply under the new government mortgage plan. It took several weeks before they sent me the paperwork, which is very long and involved, and I put it on a table to work on one of these afternoons. Friday, the guy told me the loan mod had been approved on June 26. I have no idea how that could be, since I'd called the first week of July to make the (large) house payment and nobody said anything about it. I was so disbelieving that I called again Saturday, and they assured me that yes, the loan mod has been approved. You guys -- I never even sent in the paperwork. I can't even tell you how huge this is. (I think I already said that. ) It gives me room to breathe. It gives me a chance finally to pay everything else I'm behind on instead of constantly making minimum payments and having to keep negotiating with everybody. They're dropping the interest rate and lowering the payments . . . and taking two years from the middle of the loan and either moving them to the back of the loan or redistributing them over the rest of the loan. That two years comes out to just about $15,000, the specific amount I've been manifesting for. I can't even begin to tell you how huge this is.