4,922
Judge it!GMAC sent us information from PHFA (PA Housing Finance Agency). The brochure is titled Homeowners' Emergency Mortgage Assistance Program. The website is www.phfa.org . They also sent us contact information to HEMAP Consumer Credit Counseling Agencies. I believe (but may be wrong!) that while you are being evaluated for the program that it may stall the foreclosure proceedings, but there are time limits involved. Hope this helps any that may need it!<quoted text>
Glad things worked out for you-wished all mortgage companies were that helpful. I tried the other day with mine-First Savings of Perkasie-to see if I could get a differment for one month until this PA budget thing is straighten out, being a state employee and no pay. Said there was nothing she could do, maybe hold the late fee if I didn't get her the money by July 17, but could do nothing at all for me if they didn't get their money by the 31st. So much for being a faithful and loyal customer!
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“Moo” Since: Feb 07
West Paradise! ISP: Lehighton, PA |
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“Moo” Since: Feb 07
West Paradise! ISP: Lehighton, PA |
They may as well be. I see apartments being offered in Allentown for what my mortgage amount is. Guess what, I'd rather put any equity into my own pocket. Many people need to be better educated before they jump into a mortgage and home-ownership. Investigate and study up! Shopping for a mortgage is like shopping for anything else. I found the "Home Buying For Dummies" book a valuable source of information. People get over-emotional and starry-eyed when shopping for a home. Just because you qualify for something doesn't mean that you can afford it. I feel sorry for people with an adjustable rate mortgage. Sure, it may seem good - especially with a smooth-talking mortgage salesman, but I just couldn't deal with not knowing what the monthly payment would be. I don't like surprises much, especially when the surprise is that I owe way more this month then what I had figured on. |
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Bankers and people in the financial industry know how to one thing well - THEY GET PAID. If they fail or fall on hard times because of their own irresponsible or unethical behavior, they whine to the government and - THEY GET PAID.
When individuals fail (sometimes through no fault of their own), or fall on hard times, they are called lazy and irresponsible. When they whine to the government, thay are called no good shiftless theives. Why is that? |
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AOL |
When all else fails, go to Consumer Advocates and the television. Mortgage companies hate bad publicity. Especially when you have worked with them and they fail to provide you with customer service.
Televison Consumer Advocates love to get involved with consumers and companies. Especially when you have all the documentation in your hand that you tried to work out your mortgage problem. Channel 69 news helped us out when spoke to them. After we left the Wells Fargo office, 69 News was outside waiting to interview us. Get outside agencies involved in your fight. You will be surprised at the outcome. |
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It's all about the GREED, we as the people are greedy (me included), the mortgage companies, the realtors, the local, state, and federal government, its all GREED.
Everyone wants as much as they can get for as little output as possible, its the American way of life. We are an entitled nation of bloated minds and bodies. Unfortunately every great empire in history has fallen at its most decadent peak......guess who's next. My only solace is that I probably won't see the grand fall.....but, my son probably will.....see I'm still greedy, we ALL are, our nation has just been a big enough empire to sustain that greed, every empire was greedy, Aztecs, Egyptians, Nazis.....they all perish, we will too, we will not change, we will hold on to glorified pipe-dreams til the bitter, bitter end. |
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Like I said sometimes things in life happens, cancer, accident that you can't go to work for awhile, good job loss, unemployment, health reason... ect... somethings you just can NOT control and so much for living beyond your means. This is different from going NUTS ON YOUR CREDIT CARDS!!! |
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Your 100 percent right! |
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Like you have a crystal ball and know this. |
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AOL |
Question- How can a homeowner NOT pay a dime toward mortgage/insurance/taxes for NINE months and still be a resident of that home? What is the "non-paying " timeline until the homeowner is evicted by the mortgage company? Sounds cruel but the ill homeowner still is living in the home without paying anything ...and that is called free living. Sorry |
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It is really sad to see all of these people losing their houses.
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“Life is Good” Since: Mar 07
North Whitehall ISP: Schnecksville, PA |
Isn't that the truth. When we bought our home 8 years ago, our credit union told us we qualified for a $300K. My husband and I knew there was no way on God's green earth that we could afford to even come close to paying that mortgage payment. Instead, we found our "dream" home -- a modest 3-br home in Parkland SD with 1/2 acre of land for $140K. Being realistic allows us to save a bit and to splurge occasionally. |
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"...and was diagnosed with social anxiety disorder..."
Please. |
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The problem is The current administration does not believe in hard working rich people. So they tax them so they stay middle class. I never worked for a poor person. The poor and middle class do not produce jobs that can provide for a family. Americans survive off people that know how to make money and create jobs. But is seems the rich class is dying off these days. I am a middle class person tring to work hard to move up in life. Almost immpossible under Obama and Rendel Administration. They rather us all rely on government handouts instead of hard work.
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If you went on a sunbed and got a nice tan, then changed your name to Vazquez, applied for welfare, spawned a few illegitimate kids, maybe developed a drug & alcohol problem - there would be gazillions of programs to help you out.......!!!
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If he was laid off why can't he collect unemployment or welfare like the rest of Allentown. Have the tax payers pay for his house.
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Mayb if we weren't all non-for-profits we would be able to pay our bills.
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Since: Mar 07
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You did the right thing; the only sensible thing. They tell you when you're buying a car: Never "negotiate" the monthly payment -- negotiate the sale price! Sounds like you've experienced this brand of "predatory lending" first hand, and told them where to go. Impulse buying is the tactic they use, and I'm glad you didn't fall for it! |
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There are NO homes that fit your home description for anywhere near that price unless you want to live in the ghetto. You bought before the huge upswing which hasn't come down enough. Look at the homes listed in the classified section for Parkland SD, 300K just barely cuts it anymore. Our economy is crap, there are no new decent jobs, if you have a decent job the raises don't keep up with the cost of living and the prices stay up....how is that happening. Until the market TRULY drops, we will be in trouble. |
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Since: Mar 07
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I have a 4/2.5 in Parkland if anyone's interested.
Corner Lot, Granite Kit, gas FP, 2-car Garage, on a quiet corner lot. Asking 314,900. rgbiv59@yahoo.com |
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In order to fix these problems, Americans will have to change their cultural tendencies.
People cannot continue to buy things they cannot afford. Too many people have cars, boats, ATV's, flat screen TV's, and not a penny in their names. We have to take better care of ourselves and stop eating the way we do without exercise. When we cannot pay all the debt from our excesses, we blame Wells Fargo and the government. |
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Daily Horoscope for December 28
Cancer
You've got so much charm and diplomacy today that you'll sail through all your encounters with other people. Things will go particularly well if you're at work, and you might even manage to smooth over a tricky moment with a certain person who normally causes a fuss. If you're taking part in a negotiation or interview, you'll be thrilled with your contribution.
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