I have been trying to modify my loan since November 2008, when I first called them to find out if I would qualify for a loan modification; they told me that they need it to collect all my income information and expenses over the phone. After giving them all my information I was told that I would qualify for it, and all I needed to do was submit all the necessary paper work, I was also told at that point to continue making payments on my mortgage on time in order to qualify for it, well I kept on paying my loan on time even though I was having... read full review »