I have been working with EMC for more than two years in an attempt to get my home mortgage modified to a 30 year fixed and get rid of the 5 year ARM. I initially used NACA to submit the package.
EMC kept asking for the same documents months after months in an attempt to discourage the customer. Then I hired a company out of California and paid them 1700.00 to ensure that I would get my package thru the process. Unfortunately, I wasted almost two thousand dollars because EMC's behavior is stil the same. They ask for the same documents over and over again, months after month.
They do not read the hardship letter because the counselor asked me why was I modifiying my mortgage on the telephone. I told her to look at my statement. I was a disabled Vet and that my wife and I both have to work at 66 years of age to pay a high ARM mortgage monthly.
At one time we both were unemployed but we both now work. This is a no brainer for the most basic of juman minds to complete.
Review about: Home Loan Modification.