one of the first things i did when i got laid off was contact the bank who has our home loans, and do the tons of paperwork required to try to get our loan modified, under the new program. granted, i still have NO idea what the program entails.
anyway... when i hadn't heard back, i called. they explained the process to me and that things take up to 3 months to get an answer. i remember thinking at the time, how ridiculous 3 months sounded. and that they probably just hope your situation changes within that time frame so you won't qualify for the program anymore.
i called 3 months ago and our paperwork was in the last phase. and i was informed that i should have an answer soon. but then i never heard. so i called again and the person on the phone told me that all our stuff was just sitting there.
it had gone to the last place it needed to go for a decision, and then hadn't gone anywhere else. she was apologizing profusely, but i was livid. it's been 7 months since i filed that paperwork. 7 months without a job. 7 months since i first asked for help.
and the paperwork is just SITTING THERE???
this is why i hate banks. i'm so pissed off. they don't want to fucking help us. they don't give a shit about us. the same way they didn't give a shit about us when they were approving us for our home loan in the first place. i remember them telling us how much we were approved for and i almost spit. they were insane. no wonder people got into trouble. it was a good thing we didn't listen to them. there was NO WAY IN HELL we could have ever afforded what they said we could have. i blame them fully for the real estate crisis we're in now.
we NEED help. and they are doing nothing to help us. paperwork is sitting there. and we're just waiting to hear if we QUALIFY for some program. and if we do, it's only a temporary qualification or some shit. i don't even know what the home modification program entails? i'm sure they aren't doing charity work and just forgiving loans amounts. the truth is, it's probably not even really helpful at all in the long run.
the most jacked up part about all this bank shit, is that we don't even qualify for certain kinds of help because we keep paying our mortgage. we would only qualify once we stopped.
that is crazy to me.
this whole thing is crazy to me.