Thousands seeking mortgage help line up at Palm Beach County Convention Center this morning



Lannis Waters/Palm Beach Post

Homeowners line up in the rain before dawn today outside the Palm Beach
County Convention Center in West Palm Beach in hopes of saving their
homes. The Neighborhood Assistance Corporation of America is making its
second whirlwind stop in West Palm Beach to try and save the homes of
struggling borrowers.





By Kimberly Miller


Palm Beach Post Staff Writer

— Thousands of people are lined up this morning outside the Palm Beach County Convention Center - some arriving by the busload, hoping the
Neighborhood Assistance Corp. of America will help them save their
homes.

They are here from throughout the country, including Detroit and California.

"I'm here because I have to be," said P. Reed, who drove all night from South Carolina. "They put me in foreclosure last week."

The non-profit group opened the doors at 9 a.m. to begin a five-day marathon of around-the-clock loan modifications. The event, which is
free, aims to get homeowners cheaper monthly mortgage payments through
interest rate reductions, extending the life of the loan and a reduction
in loan amount.

To be first in line, Lizandra Garcet, of West Palm Beach, arrived Thursday morning to set up her beach chairs at the front entrance of the convention center.

But she was too late to take the top spot in the queue. Someone, who came on Wednesday, got that.

Lizandra, 16, is helping her mother, who doesn't speak fluent English, through the process.

They came on the last day of the event when NACA was in West Palm Beach in February, but it was too late to get help.

This time they wanted to make sure they got in.

"We've been here the whole night," she said, as rain clouds threatened to soak those in line. "We just don't want to lose our home."

The last NACA event at the convention center drew tens of thousands of people, and counselors worked on more than 24,000 loans. Those who want help
should bring tax statements, proof of income and mortgage documents to
assist in the process.

Darren Duarte, spokesman for the Boston-based group, encouraged people who could not get help at the earlier event to come to this one.

"We want them to come back and get it done if they haven't," he said.

Staff writer Sonja Isger contributed to this story.



Today's event is being held at the Palm Beach County Convention Center at 650 Okeechobee Blvd., West Palm Beach, FL 33401-6300. Main convention center
phone is (561) 366-3000. The West Palm Beach event runs 24 hours a day from
Aug. 27 through Aug. 31.


To get NACA assistance:

• You cannot own another property

• You must live in your property


The Neighborhood Assistance Corporation of America asks that you agree to participate in at least five activities a year in support of the group's
mission. NACA is waiving its membership fee and cost to pull credit reports
for people seeking a mortgage modification.


Items needed:

• 30 days of consecutive paycheck stubs (If self-employed, you also need six months of bank statements and a year-to-date profit and loss statement)

• Signed hardship letter

• Most recent mortgage statement

• Property tax information

• Homeowners insurance bill


For more information, visit NACA online .

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