. I applied last November for a loan modification. I heard nothing so called in January. They could not find my paperwork. I submitted it again. In February I called and they could not find my paperwork. By now we were two months behind, and I had lost my job . The third time they received the paperwork and said we were being put on a four month forbearance. I explained I was interested in the Making Homes Affordable Loan. They then bought my past years taxes, which I understand, and then the year that wasn't even due yet, and added that... read full review »