We purchase a house in 2006 and in 2008 we apply for the loan modification program, they had us on trial pmts for 3 to 4 months and they did this 3 times...they are still unable to help us...i received a letter 3 wks ago stating that we dont qualify for the MAKING HOME AFFORDABLE program because of exessive forbearance that they will see if they can qualify us for the traditional modification (inhouse program) they had me like this for the past 2 yrs now i have not been making the pmts for the mortgage for about 1 yr now...quite honestly they... read full review »