Have you tried everything you can with your lender? Called them only to have to navigate through button after button of some voicemail system? Hoping at some point that if you hit that “0” enough times you will actually get a live person? Then “BAM” you get a real person you know the one, that says they can help you but won’t listen and leaves you even more frustrated than before your call?
Anyway, you get my point. Well, I did some digging and found a couple things that might help you. Please check them out and if you find any of this helpful let me know. Always love to hear about good things happening to the good people (you have to be good if you’re reading my blog!)
For all of you that have FHA insured loans, the good news is that your lender must follow the FHA guidelines and regulations. If they aren’t following the guidelines and giving you the service and assistance that is afforded and protected to you then do what I do. Call 888-297-8685, and put your citizen on! Don’t let anyone intimidate you, this is your home and your money, protect it and fight for it. And here is a life hint, whenever you are dealing with someone on the phone or in person always get their full name. Trust me, when you ask for someone’s name their attitude tends to improve. Don’t wait till things have got heated either, just ask up front and more often than not they will be much more helpful. And make sure you have your 13 digit FHA case number, and if you don’t have it … ASK FOR IT! Ain’t like its a secret launch code, trust me you already paid for it. Hint: it is on your loan settlement statement.
For all you VA insured customers, the first step for you is online. Go to the VA Foreclosure Alternative page. You will find so much help and assistance that you won’t know what to do with yourself. For the .0006% of you out there that internet is just not your thing, Ring up your loan service representative. Open this picture and it is the listing to every call center in the US broken down by states. Of course you could click here and it will give you the same information.
Finally, for all of those with conventional loans, call your HUD approved housing counselor at 800-569-4287. They love to help home owners with lenders that aren’t doing their responsibility helping you. Another number to put in your address book of life is 888-995-HOPE. This is the Homeowners Hope hotline, they specialize in helping homeowners with their lenders as well. You got some tools now, go use them and again, let me know how they help!
As always, please leave a comment. Like to hear from you!