When I was bedridden with twins, I called to see about refinancing. Washington Mutual offered me a loan consolidation, which took a couple months to go through. In November 2009, they called to tell us modification had been approved but to not make December payment. They told me it wouldn't affect my credit. I noticed their numbers were wrong as years two and on included escrow instead of just principal and interest when I got documents, but I was assured it wouldn't be a problem so I signed and returned. I found out they... read full review »