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We need to fax over a copy of declaration page to BAC. Need a fax # for the Insurance Dept.

They have several to make it as confusing as possible to work with them. We waited 14 months for our modification after being told to make the work out payments until they completed the paperwork which they stated would take 90 days. We did this while they proceeded with a foreclosure process.

Though I understand that the Government Program Making Homes Affordable requires they provide principal reduction and 4.5% interest rate for 30 years (which they stated on 11/24/2009 we qualified for), the final modification came through with 7.75% for 30 years and a $40 savings from our original loan payment. Additionally, they are taking the 14 months of back payments on to our equity (which is $150,000 below the mortgage), so we've lost 3 or 4 years of payments that were never late until we lost our jobs.

Anyone up for a class action lawsuit? I believe they are reporting to the government that they are modifying fairly (but only doing so in areas where the real estate market is bad (low income areas), and they don't have a chance of reselling the property....

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Q: What phone number for home loans bac home loans?
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