I recently tried to apply for a loan modification through my bank (Wells Fargo) on my own. I started this process in Aug. 2008, but simply got no where, because they were not willing to cooperate because I had been current and never missed a payment. My 2 yr. fixed rate was going to be adjustable come Jan. 2009, and I was already $100, 000.00 upside down on my home. So after some research I come across a company called U.S.A. Home Relief Inc. that guaranteed to lower my principal balance. I gave them a call and they said I was the perfect... read full review »