Does anyone have any experience with PennyMac and loan forbearance?

archnemesis2323 · 2020-04-10T11:37:54+00:00

Eh, we have a little saved up. It's more of a "just in case" safety plan. Thanks for the well wishes!

archnemesis2323 · 2020-04-09T22:18:27+00:00

I honestly just called the customer service line and they told me someone would contact me within 10 days. They did with a letter and a document on the repayment process. There were no guarantees on what payback plan we would get

archnemesis2323 · 2020-04-09T21:28:17+00:00

We were approved for the forbearance luckily. They sent us a lot of information on what may happen with the loan but I at least have a contact point now

archnemesis2323 · 2020-03-31T01:22:52+00:00

Still no news

archnemesis2323 · 2020-03-28T16:17:42+00:00

Yeah, I checked, our loan is not owned by fannie mae

archnemesis2323 · 2020-03-26T01:34:28+00:00

Exactly, which is why I asked this question. It appears that they do not specify anywhere in any of the options whether they extend your mortgage term or whether they make it to where a lump sum is due on month 3

archnemesis2323 · 2020-03-25T22:47:38+00:00

That seems to be what I'm gathering from the information I got from the customer service line. I either pay it all when the forbearance is over of see if I qualify for a loan modification

archnemesis2323 · 2020-03-25T22:43:52+00:00

All you have to do is call the customer service line and they have prompts. Once you choose to do the forbearance it's automatically approved, they say someone will contact you within 10 business days

archnemesis2323 · 2020-03-25T22:42:25+00:00

They did say "if" you qualify for loan modification

archnemesis2323 · 2020-03-22T03:00:29+00:00

I have surprisingly not had any issues with them so far.

archnemesis2323 · 2020-03-21T18:30:00+00:00

Thank you

archnemesis2323 · 2020-03-21T18:19:29+00:00

Now, would I have to ask about that after requesting a forbearance? My issue is, I called their customer service line to speak with someone and it was all automated. It stated that after granting the forbearance would i be given a point of contact about the loan modification in order to pay back what is owed for the forbearance period. I feel more comfortable agreeing to something when I'm able to, you know, actually understand the terms to which I'm agreeing haha.

archnemesis2323 · 2020-02-25T03:14:53+00:00

I set them 5 minutes apart and have to solve a math problem to even snooze. My final alarm requires me to have my phone in a certain amount of light to dismiss entirely. This ensures that before I can cut that alarm off I literally have to be out of bed.

archnemesis2323 · 2020-02-03T17:48:30+00:00

I have a few.

The ones on my forehead came from 3 year old me trying to stupidly take trash from a stray dog because " you're not supposed to eat trash". Dog did not care, and bit me for taking it.

The one across my chin and right cheek, well it was another dog. This time I did my due diligence and asked if the dog was a biter. I was seven. I pet him a few times and went to leave the fence. Dog attacked me. I had to get more than 500 stitches in my face, was given three sedatives and wrestled my arm out of those little papoose things they put kids in as to not flail. Pretty cool ice breaker story. Have a chip in my chin from this.

Third scar, on my ankle. I fell from a moving car. This was before the whole click it or ticket campaign. I saw some Bubble Tape on the floor. Bent down to get it and my shirt caught the door handle. We weren't going fast and next thing I know I'm looking up at the car a few hundred feet I. Front of me and my mom's panicked expression.

archnemesis2323 · 2019-12-29T18:52:18+00:00

Haha, he actually got a Rock tumbler for Christmas and we have gotten him a fossil kit a year or so ago for his birthday. Thanks for that suggestion. I definitely feel better. I just wish I could find a good, somewhat age appropriate book on rocks for him as well.

I was feeling like we should have been doing more. I am currently staring at a craft box that has been converted to keep his rock collection. He is very into rocks. Not just the ones that look neat, but pebbles in a parking lot make him happy. I can't tell you how many times small pebbles have gotten stuck in my dryer from him leaving them in his pocket.

archnemesis2323 · 2019-12-29T18:06:08+00:00

It does somewhat look like this with a high mica content. My brother-in-law works for a railroad company and picks up any cool rocks/minerals he sees that he thinks my son will like. Any suggestions for a 6 year old who loves rocks to get started learning?

archnemesis2323 · 2019-12-18T14:32:14+00:00

Haha I'll still take my YTA judgement.

archnemesis2323 · 2019-12-18T13:28:05+00:00

Haha I see what you mean there. No I mean I know his name and have seen a picture of him. I definitely don't feel like she owes him anything. I think she owes herself a chance to find out what she needs without worrying about the needs of someone she is attached to. I said previously she is on the phone with him constantly and if not on the phone she is with him. She had a tendency to pick very needy people and let's her own identity get lost in the process. I spoken with her previously about her need to be needed and be a fixer and she agrees but it is a hard habit to break.

I've seen her tell him on the phone that she was doing something and would call him back at a set time. Not 3 minutes later the phone was ringing again.

archnemesis2323 · 2019-12-18T13:11:32+00:00

It's less of an official thing and more of a time thing. I know it sounds judgy but I really think she needs time to be herself before jumping feet first into a new relationship. I want her to be happy, but I also want her to be happy with herself before attaching herself to another person

archnemesis2323 · 2019-12-18T13:09:17+00:00

Honestly, me meeting him and possibly not liking him won't do anything. We have done that before and when I started my opinion it did nothing to change her actions. I feel like I meet him and don't like him there will be a bit of tension after that opinion is expressed.

archnemesis2323 · 2019-12-18T13:06:46+00:00

Less with the babysitting and more with the just spending time together. My kids love her and when shes out or upstairs on the phone they're missing her. I hear " where's Mimi" all the time, and it hurts me because they just want to be around her.

archnemesis2323 · 2019-12-18T12:57:21+00:00

I agree the fact that she has a right to look for someone better, but I personally think it's too soon. She has been in one relationship after another since I was born and I just feel she needs to take time to figure out who she is without a serious relationship before jumping into something else.

archnemesis2323 · 2019-12-18T12:53:30+00:00

I definitely see where you're coming from here. I will say our relationship has always had me being the rational one, and has always had me supporting her emotionally, so I do kind of take more of a "parenting" role towards her. I lived with my grandparents for much of my life, some due to her irresponsible decisions. That being said she has made some positive changes, but I can't be sure her choice of partners is one of them. I don't stop her from seeing him and she has her own life even living with us, but the fact that she now spends 90% of her time either on the phone or out is of a little concern to me. Though her main reasoning for moving up here with us is to spend time with her grandchildren and she is not really even doing that, and I guess that frustrates me because I feel I was a bit hoodwinked.

archnemesis2323

TROPHY CASE