Received First Time Home loan from Fairway Lending in 2006 for $240, 000.00 at 8.35 %. Loan sold to Option One now Known as American Home Mortgage Inc. (Irvine Texas)P.O. Box 631730.I asked American Home Mortgage Inc. for Loan Modification because I could not afford the $1, 800.00 a month payment and sent in all requested Documentation. I was called up to go to Afghanistan for over a year in February 2008. While I was away my wife received a letter in march /April 2009 advising us that the loan had dropped to 5%. As I returned from Afghanistan... read full review »