We have a 80/20 and America's Servicing Company has our 80 loan. Our 20 loan interate went down and we get notified that our 80 with ASC went up 7 points to 15%. We did a modification with them and it took over a year with all those payments and interest of coarse being tagged onto the loan and all the they did was go down to 14%. Bless there hearts!Whatever!!! Like that help at all! We called again after my husband lost his job and then found one but at a $10, 000 pay cut and to see if we could modify again because there was no way that... read full review »