National City Mortgage counselors advised we qualified for a loan modification since my husband had lost his job and was working for himself now and I still had my full time job. They requested a 50% good faith payment to get started since this would show the approval dept we wanted to work with them. At the time I was 2 payments behind. I gave them all the information filled out the forms and faxed confirmed the information and was told by my personal rep Jaclyn everything is in line and they will be able to lower my payment by 50% but need... read full review »