Since then the attorney was going after Countrywide and Bank of America for fraud and trying to stop the evictions of my home. There I was told that Amy Lundeen was just a secretary and she wasn't no attorney and they had no files on our house case. Finally things got so bad communication was that myself, my mother and brother went to their offices in Wesmont, Illinois. Never new where my house stood as far as keeping our home. Communication was very bad for 2 years, no calls or papers to sign. we have a lunch/consultation, no paperwork was given to sign just that she was going to save out home. It was 2010 when my husband then was dying of stage 4 lung cancer we met in person a lady named Amy Lundeen who was supposedly an attorney for Shelton Law Offices. Especially if our loan is from a PRIVATE INVESTOR!! Doesn't BANK OF AMERICA know we are humans, we have kids, a water bottle costs 2.00 dlls.? So I guess BANK OF AMERICA wants to see us with not even 1 penny in our pocket in order for them to help. So that means that after all of my expenses and I am left with 200.00 or 400.00 dlls. BANK OF AMERICA should be more considerate of the people, they should tell you excatly why you are being denied, not just 'your investor did not accept your proposal, you can afford your payment' How much did I go over? We are all trying to make a living, and we want to keep our homes. Every counselor tells you something different. I trusted the counselors from NACA, but it seems like if they don't get their information correct. I was not able to put down all of my expenses because the counselor told me we could not be at a negative balance because the bank would not accept it. NACA counselors should be more honest and say your income is too much based on your expenses. I gave NACA all of the necessary paperwork they requested, we made a budget and based on my budget BANK OF AMERICA DENIED my proposal. In fact BANK OF AMERICA gave me a solution.they wanted for me to accept a payment more than what I am paying right now. My mortgage is with BANK OF AMERICA they DID NOT work with me. I was at the NACA convention on 1/26/12 in San Bernardino. Even so, we are continually looking for new ways to improve our methods and means to help Americans realize the dream of home ownership. Those who complain about NACA are in fact only about 1/100th of one percent of our nearly 2.3 million members. We also continually monitor our NACA Forum () and can be reached through our Twitter account as well. The Facebook page I referred to is one of them. The damage they caused is the very reason the demand for both of NACAвЂ™s programs is so high, and why the process and communication can seem slow for some.ДЄnd finally, we even have вЂњsafety netsвЂќ for those who seem to have continuing problems or urgent matters they must communicate with us. It is those brokers, banks and investors who fed our demand for instant gratification and put people slam-bang into mortgages virtually overnight with little or no qualification who created the housing crisis that in turn brought about the greatest economic downturn since the Great Depression. I particularly like the way Katina Ferguson posted on our Facebook page, beginning with a quote from her MC, 'We don't just want to get you into a house.we want to get into a house the right way.' It goes right along with the old military saying, вЂњif you donвЂ™t have the time to do it right the first time, you sure donвЂ™t have time to do it over.вЂќ YouвЂ™ll find me preaching it constantly in the NACA Forum. We have also initiated a Remote Counseling program to help with some of our most overloaded offices where some parts of the purchase process are handled over the telephone by specially trained NACA staff members, thus allowing the MCвЂ™s more time to deal with more files on a daily basis.Д®ven with all these efforts, the key still remains patience and persistence. New MCвЂ™s are continually being hired, but with 40 offices across the country and training and licensing requirements varying from state to state, placing more qualified consultants is not an overnight process. Our Mortgage Consultants in our Purchase Program are constantly overwhelmed, and NACA is actively taking steps to reduce their burden. Patience and persistence are the most powerful tools one has whether purchasing a new home or fighting to save their current home. Those who may complain that NACA does not respond promptly are a very tiny fraction of the hundreds of thousands of members NACA is working with at any given time in our Purchase and Home Save programs.

Naca program