Heloc modification --trying to pay interest down

[hozier123]

Hello. Back in 2010 we combined our HELOC and mortage for a loan mod. Starting in 2010 we pay 2.25% for years 1-5 then year 6 3.25 then 5% for remainder..
Our payments were 669 and we paid 1800 a month to try and be disciplined to get prinicipal down.

I just spent 2 hours in bank and on phone because they said the interest is variable and all extra payments went to interest.

How do I get the extra payments reversed to principal? I cannot find the correct person to speak with.

Any advice at all would be helpful--we would not have gotten our mod in first place without this forum.

Thanks.

 

[Evan Bedard]

Hello Hozier, I'm sorry but I'm confused by the first part of your post. Is this a modification you received on your HELOC or on your 1st mortgage?

 

[hozier123]

Hello Hozier, I'm sorry but I'm confused by the first part of your post. Is this a modification you received on your HELOC or on your 1st mortgage?

Thx. Our original loan was with Washington Mutual--we had a mortage and then a heloc--they had a special product cant remember the name--where the heloc acted like a mortage and they bundled together. our loan docs say mortgage mod...