Trying To Get A Home Modification & Having To Start Over!

This past week I received two separate packets from Bank Of America. Both appeared to have been automatically generated and mailed. By that I mean there was no letter written personally to me that was clear as to why I was receiving a packet not once but twice. With a generic letter saying If you are interested in being considered for a Bank Of America Home Modification or to be considered for the HAMP program to follow the instructions and complete the documents supplied and return with all supporting financials. When I received the first packet I contacted Andre who chuckled when I said no to his question of did I fill it out? I had dropped the packet off to his office. I was a bit perturbed with Andres response since common sense tells me not to waste my time with paperwork I'm not even sure is necessary yet. Right? I reminded Andre that Bank Of America had all of my financials to date and that nothing has changed except for my auto insurance up by like only $50 or so. Andre said he had all the information in my file and would call BOA the following day and get back to me. I of coarse would complete anything necessary to get this moving. Well two days later I did not get a call and I received the second packet, exactly the same documents inside but this one had a return Fed Ex packet. So I call Andre and we meet the next morning complete the documents and provide all the financials requested. We do this because according to Andre it is not uncommon that I would receive an automatic computer generated packet. And that it is essentially better safe then sorry so follow the redundancy and complete the packet...
Andre has been working with a different department assigned to his company Sacramento Urban League HUD Counseling and said that he has had good results so far and a fairly prompt response when working with a regular bank modification (non HAMP). The HAMP still is taking too long. So many of the banks are offering "inside modifications" and this is comparative to the HAMP or in some cases better. I am hopeful to get a response toward the end of February. But I'm not going to hold my breathe.

The Mid Week Follow Up Phone Call

I feel the stress come over me just thinking about the call I need to make today to my HUD counselor Andre. I do not think he will have any information for me since I am convinced the bank is doing all it can to postpone making any descisions on any of the Mortgage modifications. Mine included. I believe the bailout has given the banking institutions what they needed to sustain themselves for the most part and that foreclosing is carrying the banking institutions further along to wait out the economic crisis until it is favorable to the finacial institutions favor of coarse. I am putting the dissapointing call off untill this afternoon. I will however email Andre and let me home I will be calling later today.