Chase Home Finance 6 months of CHASE HOME LOAN MODIFICATION attempts and they still have Las Vegas Nevada

I was in the same boat: empty promises, no return calls from analysts, full mailboxes...it's taken a YEAR!

Call 1-888-995-HOPE hotline, get ahold of Auriton...they will get action: fast.....

You will need to submit a ton of paperwork. The Obama plan may work against you if you actually have equity in your home....they never tell you that, but it's true.

I was a on a very small forebearance, was told it was approved...after 4 payments, I was told I was 'never' eligible. I was told they may do a short sale? Whaaat? I finally got someone on the phone that put me in a suspended forebearance: no payments, get my finances in order.....I had a plan. I called back to check status: was told there was no such thing as a suspended forebearance????I freaked! i called 888-995-HOPE....got a letter requesting documentation in couple days AND a contact person with X number! This was the 'correct' department: homeowner Preservation Office

Fast forward 3 months....i get a call from Loss Mitigation : my suspended forebearance is up, need to verify info????HUH? Last I heard it was at the underwriter thru Homeowners Preservation and there was no such thing as a suspended forebearance??? . Loss Mitigation caller calls my contact at hoemowner preservation office...., the contact calls me: go with Loss mitigation.....they are way ahead in the process than Homeowner Preservation....I was not even to step 1!!

Now: new forebearance...was told I have 4 paymetns to make, am pre approved: am told not everyone gets approved....I am still skeptical....and scared spitless....But am doing as they say.

Don't be afraid to call every couple of weeks...the squeaky wheel.....and don't freak if they tell you something is incorrect...they don't know which end is up! they are so overwhlemed....

Do not give up, do not give in....Auriton will sit on on phonecalls: so you have a witness!

Good luck!

Sorry to hear about your experience with Chase Bank. Actually I been there but not the modification, it is the refinancing,which I only did because of this OBAMA"S Home Affordable Program* But before I do the refinancing I make sure I am eligible and I do eligible, but I was decline by Chase Home Finance of Tempre Arizona because of my bankcruptcy way back in 2004 and late fees on 2005. I did tell them everything before paying them $750 application fee but they said I am approved. After waiting for almost two months they said that I will finally sign all the papers and get my cash out, but on the day or before the day they said I will sign the papers, I did not hear from them anymore, I waited and then I try to get in touch with them and suddenly I got an e-mail saying I got decline by the underwriters because of such reasons which they know from the beginning. My son is my co-borrowers and he got a good job earning 3,000 a month 'cause i only have ssi benefits. We try to consolidate our debts and make a little cash out for the improvemnet of the bank investment which is my house. Unfortunately, I was decline because my son occupancy is questionable, because of my bankcruptcy which they said it is ok as it is already more than 4 years and was discharged and the last decline is because of my late fees way back in 2005. Which from the beginning they know but they said they will only look at my payment two years from now which is good and no late fees since 2006.
I been complaining and trying to get my $750 application fee and on the local bank here(the WAMU bank) who I dealt with my mortgage loan told me to do a modification first and the loan officers said he will look at it afterwards. I said why do I have to do a loan modification when I am eligible for refinancing with this Home Affordable of Obama. He said that is the way it works..HUH!!!??? Weird...

Well now after reading your story, I been thinking what will happen next, are they going to approved my modification as I am also eligible...

How long will I wait....

I also fax all my papers for modification last week but have not heard from Chase Bank. But I tell you this...when I did my refinancing and when they ask me to pay the $750 and it will not go through because they place a wrong expiration date I got e-mails... asap... hahahahaha...from them and I even got a call that my debit card will not go thru... hahahahaha... well i did not know it is a rip off only from them to get some money from customers...

well I will see what will happen to my modification from JPMorgan Chase Bank..

I work for a modification company that is attorney based. It is true Chase will lead you on and on, as will other lenders. In fact, now that the novelty of loan mods has worn off, the lenders are dragging their feet regarding mods. In fact, it has become so bad dealing with the lenders that we are now no longer doing mods. Last April the way the banks determine the value of their assets was changed so now they would rather have your house. My house was taken six months ago and it is still vacant (it is in a very nice area) and there isn't even a "for sale" sign in front... they took the house and are now sitting on it, and that is what there are going to do with yours.