First, I want to say that I was in the Title Insurance Industry for 35 years and know my way around the block-but dealing with Countrywide-BOA is like dealing with morons from outer space. It Seems that whoever can figure out what is the 'least they can do' to hang on to their jobs-are the ones who are still employed. I bought my home in 2005 when I was employed. More than 20% down, excellent credit, fixed rate loan. Unfortunately, I became 100% disabled in 06. It took 18 months to get on Social Security (18 months with zero income... read full review »