Hi, I have contacted Freddie Mac and would like to know about how long the Hope for Homeowners loan modification process should take. In Feb. 2009 before I was in default, (out of work Cal. teacher, husband is working), I contacted my Freddie Mac loan servicer Flag Star bank and told them I needed some assistance. They sent me out the wrong paper work. I then contacted the Hope for Homeowners Housing Education Program a non-profit agency called Consumer Credit Counseling of San Francisco; they work in partnership with the Home... read full review »