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Showing posts from January 12, 2011

HAMP vs Modification

I was not given the greatest of news today when I called the mortgage company and started discussing the options available  After endless - and I do mean seemingly endless - questions about whether I'm living in the home, planning on staying in the home, on and on, income this - stuff I have already answered to these people 3 times in the last month, we got down to brass tacks.

Well, first, she put me on hold for 20 minutes.  Not an exaggeration, I was on hold for a LONG time while she was reviewing my file.  When she came back on, she told me HAMP would only help me by reducing the monthly payment by $100.

I had a lot of questions. Why?  Based on your income and that the amount you pay for the house will be no more than 31% of that.  It is, as always, based on GROSS income, not the amount you are taking home after all the deductions.  This, I think, is a load of BS.  Taxes, health insurance, I mean, a lot is taken out before I get my pennies out of it, but, that's the way it…

Wednesday 1/12/2010

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I wrote this entry this morning, submitted it, half of it disappeared.  Sorry for the fragmentation, but I usually do NOT re-write entries ad today is not going to be any different.  
On her Facebook wall, she was bragging that there is only one other person - at level 527 I think she said, above her on her list. I'm at level 355 currently. She is a newer neighbor and apparently doesn't know my competitive nature. I was not only peeved at Zynga for giving her that incredibly unfair bonus bonanza, I was also getting a bit peeved at this woman going around bragging about all of this. NO WAY should have Zynga EVER given her THAT much points for the issue she was having. Maybe a couple of levels worth, but that many?
Sunday, after I got whatever else done and not feeling well anyway, I spent a couple of hours leveling up, passing her and leaving her in the dust by 2 levels above her. I fully expected her to level up even more and by the time I got home yesterday, she was up 4 level…