WOW! I actually feel better now after seeing all the comments. I am a Realtor and you can imagine my life right now. I had perfect credit and started last Oct. asking for help. The lost paperwork and 2 times denied modification. (I was lucky and unlucky enought to get 2 two jobs this year and then be laid off.) The lender then says you have no budget to work with and throws out the modification. I say help me and I will find a way to make it work. Come get my house lender...you will be much better off working with me. WTF!!!

I submitted my information for Loss Mitigation to my lender according to the Making Home Affordable Guidelines. This was approx. 48 pages I faxed to the lender over 90 days ago. As other folks have said in this blog, I am not currently behind in my mortgage. I am however strapped for cash and house poor at this point. What I would like to point out is that the buzz I have been hearing is that you have to go 30days late on your mortgage. This in turn raises the red flag on your account within the Lenders database. They will then contact you and try to "assist/help" you. This is a crock of you know what! Basically having stated that, in my opinion they are giving these programs out to people who go 30days late on their mortgage. So people that continue to pay their bills are being punished with no relief.

If you are current and credit score is good but your life circumstances have changed, we thought this was our answer. It is all a very ugly joke. Chase reps. were misleading. They had documents for over 90 days and then offered a streamlined 90 day trial. Send them $3200 in a cert. check and make 3 mo. payments on time which amounted to $189.00 higher than our current payment, then they would re-negotiate my current 20 yr. mort. but would not give me any details other than it could be a rate deduction of .5 to 1% or approx. $100-150 lower mo. payment. We are thinking of cashing out, paying off debts and moving to Costa Rica. Don't be suckered by supposed govt. rescue plans unless your name is JP Morgan, Goldman Sachs or Bank of America!

Called and set up appointment with lender. Excellent Credit Score, not behind on payments, qualified. I wanted to combine 1st and 2nd mortgage because I wasn't making any head way on the second mortgage. They offered an interest rate that was at least a point higher than I was already paying! What's the point?
This was pointless.

I wish I had read the comments section first before sending out my information to MHA. I do not need debt relief- just assistance with my mortgage (and a divorce).

I HEARD ABOUT THE MOTGAGE RELIEF ONLINE ON YOUR TELEVISION SHOW. AND I HAVE A TRAILER HOME THAT I'M TRYING TO REFINANCE, THE MORTGAGE ON IT IS 64,000 AND THE INTEREST RATE IS 9 1/2%

After hearing about this from Clark on the air, I went to the web site and took the test to see if I was qualified for the mortgage relief program. Since we are not behind in our payments, we met the criteria so I went ahead and made the appointment online. They said we would recieve a call in 48 hours. Well sure enough, we got a call within that time frame from a woman who called an hour earlier that we had scheduled so my wife wasn't home yet and then once we got our paperwork together then told us she didn't have a "counselor" to speak to us that night and would have to rechedule it. So we did that. O n the night of the reschedule, we didn't recie a call at 7PM, the appointed time. So I did a redial of the number they had called us on and got a woman who looked up our appointment and told us it wasn't set until 10PM. This was apparently a time zone issure since they are in Pacific time and we are on Eastern. So now we have a 3red appointment just to get this thing rolling. So far this has been a very unprofessional experience and after reading what others have said here about it being a debt consolidation service, I am not sure I want to be involved with it anyway. I do plan to bring it up if and when we get another call from them later thisd month for our next appointment. Very disappointing.

I have an appointment with a counselor this week. The person that I called to make the appointment said that the would be the middle man in working with my lender. We're not behind on our payments and I called my lender and they're sending out a package regarding the bill that President Obama signed. Confused.

I happened to listen for a few minutes to your program for the very first time
this week and you mentioned the 'Mortgage Relief Online' program. It
turns out that these are attorneys out in California (www.Morgandrexen.com) integrated legal systems - a debt consolidation company. They want me to
stop paying my credit cards bills and
let them consolidate them. I'm leary about this and I'm asking your advise.
Thanks

Yes, more vague answers to the question,"Do I qualify", but then tells you to contact your lender who then proceeds to be even more vague and elusive. Why do I have to default in order to be rewarded. Very sick indeed!