[alexandrajo]

I requested a mortgage modification with Washington Mutual and they denied for the reason that the loan is current. We're struggling to make ends meet and the only reason why we're trying so hard to pay our bills on time is because we don't want to ruin our credit so that we can save money if in case we need to apply for another credit in the future. It doesn't make sense to me why they would wait for us to ruin our credit before they can help us when that is exactly what we're trying to prevent that's why we're requesting for a To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily.. I have been unemployed for 6 months and have been using my savings for bills, my husband's income has also decreased because his company closed but luckily he found another job that pays him less than his previous one.It's not that I don't like the terms of the loan. We are asking for help. And I think that with all the foreclosures that's happening right now, Washington Mutual wouldn't want more. Our house doesn't have equity, value went down big time. We need To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily.

[admin]

I am sure the reason for your denial was not you being current because we have worked many loan modification with Washington Mutual on current borrowers. The real reason for your denial is as you stated unemployment and the inability to pay your mortgage based on income rather that using your savings to keep you current. You will need to find employment to get you close to paying your bills and they will modify even if you are current. Contact us if you need To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily.