NFCU Mortgage Default Division has not communicated with us consistently and the service representatives have been extremely rude and non-responsive. My husband was laid off in June 2009 and NFCU has refused to work with us on our payments, they say because we had already modified the loan in 2008. We did modify in 2008 because I was out of work for over 2 years. Then I finally found a job, and my husband was laid off. We contacted Navy Federal in May 2009 to see if we could 'short' sale the house to ourselves. Our thought wa... read full review »