In November 2008 my husband was laid off and remained laid off for over six months. We requested the National City Mortgage work with us to modify our mortgage while he was unemployed so that we could keep our home. When they finally responded - in February! - with a lower payment we thought this was a good thing. We were wrong!! The modified payment was only for a 3 month period - February, March, and April. In May they would re-evaluate and see where things stood. It is now June and we have heard nothing - except that they have now lost the... read full review »