I got a loan in 1/2007. After 1 year I tried to refi but was now 40K upside down. I got behind as my income fell more than half. 4 times i sent them 49 pages of docs to mediate the loan. Each time they did not receive it and I got further behind. The ywould not accept a mailed in package...only faxed. Finially I got a forclosure notice and I was able to talk to someone. He said to fax it all again and he would get my loan to the mediation dept. A year has now passed. Now they offered me 9.7% from 12.7% for 3 years and then back to 12.7%. They... read full review »