Ameriprise Financial

User Rating: 3 out of 5 stars

We have heard that your company has bought out Countrywide Mortgage company. Well I have a proposal, if this is true.
We would like to have both mortgages put into on loan. We have right now an 80/20, would like to combine those and have just one payment and make the payments on the 10th and the 25th of each month. Countrywide already has the mortgage in foreclosure, but we want to stop that. I am prepared to propose the payments be $300.00 on the 10th and $300.00 on the 25th. That way you would be getting more than actual mount. Right now the total amount is $538.00 a month.
We would also like to lower our interest rate also. The first mortgage is at 6.8% and the second mortgage is at 10.5%, which we hear is too high.
I would appreciate you getting back with me as soon as possible. I don't think that countrywide wants the foreclosure to go thru, but if we can't work out some kind of deal that best siuts the both of us, this will not work. I or we would like to keep the house, if at all possible. I don't think Countrywide or you will be able to sell the house anyway, as there is no furnace in the house. We are heating the house with electric heaters right now, because we cannot afford a furnace or the propane to heat the house.
We will not have any money to put towards the loan, just want the loan rewritten and see what we can do to be able to afford the payments and keep the house.

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