Today I Was Told by BOA My Home is Going into Foreclosure

Real Estate Agent with William Raveis Real Estate RES.0772823

After three years of filling out loan modification paperwork and sending it in, I was informed via a phone call today from Bank of America that my loan modification was declined on 2/1/13 as I didn't submit all the documents.  Bank of America continues to state this as a reason for declining my loan modifications, but I give them everything they ask for and then have my HUD counselor review it for completeness.  Anyone who knows me knows how organized and detail-oriented I am.  I have a Ph.D. from Columbia University and that required an incredible attention to detail.  I know I submitted all the documents required as I carefully reviewed every request and my HUD counselor, Michael Haynes, of the Neighborhood Housing Services of New Haven reviewed them.

This seems to me to be a bogus excuse.  I think they just don't want to do a loan modification.  Although why BOA would want one more foreclosure in Bridgeport, Connecticut is beyond me.  They aren't going to sell the home for more money than I would pay for it.  I bought this home at the peak of the market in 2005 and paid $400,000.  It is now worth no more than $250,000.  I'm earning a good income now, my income tanked when my husband became ill with pancreatic cancer three years ago and our expenses have been high due to the cost of medications, travel, and treatment.  We also lost his income when he became ill.  We were both in real estate and the market downturn left us with less money at a time when we needed more.

As you know, my husband has Stage IV Pancreatic Cancer and he is getting hospice care in our home.  I haven't told him yet that our home is going into foreclosure.  BOA says to consider a Deed in Lieu of Foreclosure or a short sale and just leave, but my husband wants to spend his final days in his own home.  Is that too much to ask of a big heartless organization?   Probably.   But don't you wonder where all that Mortgage Settlement money went to?  Weren't the lenders supposed to be doing more loan modifications instead of allowing homes to go into foreclosure?  What the heck are they doing with that money anyways???

It makes no sense at all to me, but my hope is that if you would reblog this post that BOA will notice it on social media, reconsider their decision to foreclose, so that I don't have to tell my husband that our home is going into foreclosure.  He's been going through a tough time over the past few weeks and my fear is this will cause him enough stress to push him over the edge emotionally and physically.

I trust in the power of AR to get the word out and in your love and kindness to support me at this time as I try to be strong for my husband.  Thank you.

6 PM 2/9/13 UPDATE:  Two Social Media managers from BOA contacted me today and my case will be sent to their Escalation Team. I will know more on Monday and will post an update in a new post.  Thank you all for taking the time and effort to reblog, Tweet, share on FB, post on Google+, and for your comments/calls/e-mails.  AR may not be a face-to-face group, but we are a community in the true sense of the word - a group of people who care for one another and help each other in their time of need.  Thank you my AR family from the bottom of my heart.

2/11/13 Update:

Three calls today from BOA and I now have one point of contact for dealing with them.  I haven't anything to report yet, except that this time it seems like my loan modification has been fast tracked for priority review.  I will report back as I know more.  I really appreciate your help.  I should know more by the end of the week.  I'll keep you informed.  Thank you so much!  This wouldn't have happened without your efforts. I'm very grateful to my AR friends!  Thank you!

2/16/13 Update:  

BOA told me the loan modification was approved by underwriting and is on its way to Fannie Mae for their approval.  It may take two weeks before we get a response from them. Keeping my fingers crossed!  Thank you!  This wouldn't have happened without the active support of my AR friends. 

2/25/13 Update:

Today a FedEx package arrived from BOA with all the documents to sign for a trial loan modification!  I need to talk to my HUD counselor, but it looks like they really did their best to get me the lowest payment possible.  I told my husband today and he was very relieved.  He's in the hospital right now fighting for his life with a massive infection (they don't know the source of the infection yet).  Tomorrow will be his birthday and it was three years ago tomorrow that he was diagnosed with pancreatic cancer.  This was a wonderful birthday gift.  Please keep him in your prayers for one miracle.  I would like him to return home and feel good enough to celebrate a belated birthday.  I don't want this to be the end, but I know it could be.  You've done so much for me my dear AR friends and I have no right to ask for one more favor, but if you could put him in your prayers for another miracle, I would be very grateful.  I love him so much and it's hard to believe that this could be the end.

3/19/13 Update:

My husband is still in the hospital.  He has been fighting three massive infections and is still on IV antibiotics.  We just celebrated our 8th anniversary yesterday (as much as you can celebrate under these conditions).  Thank you for your prayers.  He did indeed rally and I am hoping he is on the road to coming home, but it's still up and down.   I made my first trial loan modification payment thanks to the power of ActiveRain.  Thank you for helping us get this loan modification.  We should know about the permanent one by July.  I'll keep this post updated.

12/30/13 Update:

Now that this post is listed as one of the top five most commented upon posts of 2013, I should provide an update for those who haven't been following me.  He did come home from the hospital and entered in-home hospice.  He enjoyed seven more weeks of life before he lost his battle with pancreatic cancer.  He was relieved that I had received a permanent loan modification before he died.  He loved our home and I wanted to be able to stay here afterwards because we have so many memories together. 

Real estate has picked up in my area and I had a successful year.  I deeply appreciate my clients who stayed by me through these difficult times.  I never let my clients down, no matter what was going on in my personal life. 

Thank you to everyone in the ActiveRain community who reblogged, Tweeted, Google Plussed, and so much more.  BOA responded right away and thanks to the follow up from the AR community, BOA finally gave me a permanent loan modification just before my husband died.  I'm in awe of how the AR community came to my aid in my time of need.  This an amazing community, a real community, in fact I often call you my "AR family."  Thank you!

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ActiveRain Community
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POSITIVE ATTITUDE for the Weary Soul
bank of america loan modification

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Dagny Eason
Dagny's Real Estate - Wilton, CT
Fairfield County CT, CDPE Homes For Sale and Condo

Happy Birthday - Wow!    You sure do have an incredible support system going here!    If there is anything that I can do to help, please just give me a hollar and you know I will be right there!

Best to you and yours, Gail, you know we all love you

Feb 21, 2013 10:40 PM #315
Michael Rasch
Florida Home Sales and Investments - Hallandale Beach, FL
Michael Rasch 305-741-1819

Gail, you have not finished all your option. You forgot to write a fully documented report to your local mayor, senator and congressional representative. that should start a small cider of a fire, then after that, spend 150.00 for a press release, you need the sympathy vote for this to work.

The start complaining to the local prosecuters that are going after BOA, I know in NY there should be atleast 2 of them, make sure that they get your detailed report. find your local bulldog and let him get a copy.

as heartless as this sounds, the bank does care one bit, it's responsible to it's shareholders and it has a job. good luck.


Feb 24, 2013 09:18 PM #316
Stacey Mayer - Everett, WA

Michael R, I totally agree with you. I'm sending copies of her original post to my congressional representatives, and senators, too.

I was sending a fax at the local Staples a year or so ago. There was a lady there beside me, who was re-faxing all of her documents for the THIRD TIME, trying to save her home, too. She'd purchased her modest home with a $50,000 downpayment. She'd earned the money by saving her pennies from her small housecleaning business.

She was a emmigrant from the Ukraine, now a naturalized citizen, a divorced mom of grown children, now in her fifties. As she shared her story with me, tears filled her eyes, and mine. She'd done everything - everything, and still she was being told, "you never sent in all the documents."

I had a terrible feeling the Bank wasn't going to help her; they were going to take her $50,000 downpayment, and her little nest egg house, too.

I haven't ever run into her again, but I have never forgotten the discussion we had, or the look on her face as she described her circumstances. We must never forget what the banks have done!

We MUST pass on this story to our government representatives.

Feb 25, 2013 01:30 AM #317
Angela Chastain
Berkshire Hathaway HomeServices Michigan Real Estate - Cheboygan, MI

Keeping my fingers crossed in hopes of good news for you!

Feb 25, 2013 03:22 AM #318
Tni LeBlanc, Realtor®, J.D.
Mint Properties, Lic. #01871795 - Santa Maria, CA
Tenacious Tni (805) 878-9879

Just look at what they can do when they try.

Why are they getting away with treating people like this?  Especially on a loan owned by Fannie Mae!

I'm happy for you Gail.  Keep us posted. 

Feb 25, 2013 04:42 AM #319
Florida Tolbert Team Keller Williams Advantage
Keller Williams Advantage III Realty in Lake Nona - Orlando, FL
Keller Williams Land Division Specialist

Glad to see it worked out Gail.  We were all praying and other assorted acts.  Once again the power of social media does work. 

Just visit my blog for my latest campaign to support our Keller Williams Des Moines office against a bully.

Feb 25, 2013 11:19 AM #320
Charita Cadenhead
Keller Williams Realty - Birmingham, AL
Serving Jefferson and Shelby Counties (Alabama)

All I can say is "ain't" God GREAT!!!!!

Feb 26, 2013 12:16 AM #321
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

Sorry so late to stop by, Gail.  Hope it indeed worked out.  The power of Social Media is amazing!

Mar 16, 2013 01:28 AM #322
Andrew Mooers | 207.532.6573
Northern Maine Real Estate-Aroostook County Broker

Thanks for sharing, hard times but you are strong, persevering and good does happen. You have to wait for it.

Mar 28, 2013 04:17 AM #323
Annette Thor
Connecticut Homes and Commercial Fairfield Cty,CT - Westport, CT
Residential & Commercial Real Estate Broker in CT

Gail, If the banks cant follow rules of decency and ethics, then others need to be in charge of making sure they do, All the best to you and your husband Gail !  Perhaps we will meet when you have some good news to share!

May 10, 2013 08:27 PM #324
Gene Riemenschneider
Home Point Real Estate - Brentwood, CA
Turning Houses into Homes

Gail I missed this story floating around Active Rain.  I am so happy for you.  It is nice to hear good stories with happy endings.  I hope things continue to go well with you and your husband.

May 14, 2013 04:57 AM #325
Dana Basiliere
Rossi & Riina Real Estate - Williston, VT
Making deals "Happen"


I too missed your story and only today saw the one where the sent the decline letter. I hope BOA wakes up.

May 18, 2013 11:54 AM #326
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • Green • GRI • HAFA • PSC Calabasas CA

I really admire you, Gail for standing up and making your story public and inspiring many of us.

 We are all connected and we can all be in a similar situation when we need help. 

Jul 28, 2013 06:30 PM #327
Robert Adams
Broker at The Adams Team at Rothwell Gornt Companies in Las Vegas & Sankey Real Estate in MA - Las Vegas, NV
Real Estate Broker in NV, MA, & RI

Glad to hear you finally were able to get a loan mod that worked for you. I am sorry to hear about him passing but at least he is not suffering anymore and also had the piece of mind that your loan was taken care of. Best of luck to you and your family in the future.


Best Regards,
Robert Adams
The Adams Team at
Rothwell Gornt Companies
Dec 30, 2013 05:07 AM #328
Eric Galuppo
Real Estate Rev - More Leads Means More Revenue

I’ve found your post from Kerrie’s post TOP 5 most commented on posts of 2013. So I’m here to congratulate you!



Dec 30, 2013 10:28 AM #329
Jane Chaulklin-Schott
TEAMCONNECT REALTY - (407) 394-9766 - Orlando, FL
TeamConnect Luxury Homes - Orlando, Florida, 32836

Gail, so sorry to hear of your husband. My husband died of pancreatic cancer and myself and our 9 children have missed him. Prayers were answered and you finally got your permanent loan modification. What a relief for your husband and you. Nice it happened before your husband died; I could feel my husband's concerns for me and our kids before he died. Best wishes for the New Year, Gail. And congratulations on being in the top 5 Featured/Commented.

Dec 30, 2013 11:41 AM #330
Andre R. Aragon
Greater Tampa Real Estate Photographer - Tampa, FL
Real Estate Photographer

Hi Gail - I am so sorry for th loss of your husband. I remember your original posts. Thank you for your updated post. Much Happiness and Success to You and Yours in 2014!

Dec 30, 2013 09:28 PM #331
Rosie Moore
Serving Sugar Land, Richmond, Rosenberg, Missouri City - Sugar Land, TX

Gail, I am glad everything worked out for you and that BOA was able to modify your loan.  I wish you many blessings in 2014.  Remember, your late husband is watching over you from Heaven.

Dec 30, 2013 09:34 PM #332
Allison Werner
Gloria Nilson & Co Real Estate - Middletown, NJ

Gail~ My condolences on the loss of your husband, and I am truly happy your modification finally went through. I know many major companies do monitor social media, mostly to spin their own PR, so it is good to know that in this case it worked to your benefit. Have a wonderful 2014! 

Jan 08, 2014 02:47 AM #333
Judy Greenberg
Coldwell Banker Long Grove - Buffalo Grove, IL
Coldwell Banker - Buffalo Grove - Long Grove Homes

Wow this story is unbelievable... the power of Active Rain... So Sorry about your husband... 

Jan 08, 2014 09:49 AM #334
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