As a homeowner in danger of foreclosure, we were taken advantage of by the promise of help. We were contacted in July, by the National Home Loan Assistance Program with promises of negotiating our 8.9% interest rate down to a fixed 6%. We were told they could not help us, and our bank would not work with us unless we were late by 30 days minimum. So, stupidly (desperately) we let our mortgage lapse into 30 days late. We then started the process of "loan modification" with them. We received a pre- approval letter, and we were told NOT... read full review »