Affordability and Accountability

Making Home Affordable, this is the government plan that is available to people so that they can reduce the rate that they are paying and therefore reduce the payment amount. The only problem is the amount of hoops that you have to jump through to accomplish this. We applied for this over a month ago. Two weeks after applying we called to see what the progress was and we were told that some of the information that we sent was not enough to complete the application. They knew this and did not call us to let us know. Once we found out what we needed we made our copies and sent the requested information to them. We now sat back and relaxed, hoping that we would qualify for a new lower rate for our mortgage. My wife and I are Nice Guys, we should qualify, we have never been late and actually pay a little extra towards the principal every month. Today, my wife gave them another call and they very blandly told her that the extra information that we sent was also inadequate. Again, they did not let us know. They have both of our phone numbers, my wife’s cell phone and my email. Even with all of this they cannot bring themselves to call us and let us know what we need.

When we applied for this modification we were told by some people at the bank that it takes up to six months to hear from these people. I did not think that the delay was due to their lackadaisical attitude and ineptness. When they find a mistake or a form that is not up to their standards they just set it aside and move on. They do not have the decency to let people know. Don’t they realize that people are depending on this to help get themselves out of debt? I understand that they are performing a service that is above and beyond what they have to do but does this mean that they don’t have to care? It does not take that much to pick up a phone and call someone to tell them that form number WTF101 is needed to complete this task. Please remit to expedite you application. Instead they just sit on their hands and our application and wait until we call to ask about our progress. They then pull out our form and tell us it is incomplete. How are we to know this if they do not tell us?

Please, President Obama and his people put together a good plan to help people. Don’t screw it up by being a typical government bureaucracy.