Garden Road

Ocwen Loan Servicing, LLC

P.O. Box 785057
Orlando, FL 32878-5057

800-746-2936

xxxxxx

RE: Modification of Loan: xxxxxx

To Whom It May Concern:

According to Maricopa County Assessor’s office Notice of Valuation letter, my property is valued at $43,000. My mortgage loan is $83,000. My home is worth half as much as I owe.  (See attached Maricopa County Assessors Notice of Valuation)

I received your offer of approved modification – but in fact it is the same payments as before. There has nothing changed in the modification except you have added another $5000 to my principal.

How is this modification if I am deeper in the hole as I was before? I need lower payments so I can afford and stay at my condo – not the same. Other wise I would end up in the same spot with couple of months.

Please reconsider, reevaluate and redo my modification so I can afford to stay in my house and NOT become another statistic.

What else do you need from me to send you? I need lower payments. I have been consistently persistent in this whole process and have done it one my own. I have not paid a “modification company” or some lawyer to help me.

I need this help and I need to be assured that I can keep my house – so my family is no longer I agony about losing our home.

Thank you,