We have had Wilshire for 3 years now with no late payment, no missed payments and our adjustable rate is supposed to go in effect by May. I FedEx Wilshire all the paper works needed to do a loan modification so I can still have my fixed rate instead of adjustable rates since December 4 times I faxed and fed ex paper works and keep calling them to know what the outcome of the request is and still to this day, 2 weeks before it is due for adjustable rates, they have not responded with any type of response. They say it is always too early for the loan modification and it is against the law to modify the loan if it is not in its 30 day grace period. Since Wilshire has been putting me off, it is 2 weeks before it changes to adjustable rates—Wilshire * and their customer service agents have no clue as to what they are doing. I guess I will have to foreclose and they can have my house if that is what they want. I am not paying more than $3400 a month for a house that has lost its value by $100,000 since the droppings of the houses. Wilshire wants me to start paying $4,100 a month with these adjustable rates-they can go to h&??? They should be out of a job-they will be soon - if people can find other lenders-they need to be bankrupt since they are not helping any customers.
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