I have tried twice for a loan modification. The first time was told I didn't make enough money, so got another PT job and applied again. I was told I made enough money but was not in any imminent danger of foreclosure so was denied again. Basically I was told I needed to miss some payments in order to even be considered for a modification. I wrote letters and called to the presidents and received a letter stating that I can not get a loan modification at this time. I have never missed a payment since 1997 when I bought my house. They seem... read full review »