MY HUSBAND AND MY INCOME HAS BEEN CUT DRASTICALLY BECAUSE HE DRIVES TRUCKS AND I LOST MY JOB IN 2006. WHEN WE BROUGHT OUR HOME IN 2005 WE RECIEVED A FIXED RATE OF 7.5%, THAT WILL BECOME FLEXIBLE AFTER 2YRS. WELL TWO YEARS ARE HERE SO OUR RATE BECAME FLEX. WHEN WE FOUND OUT ABOUT MAKING HOMES AFFORDABLE IT WAS GREAT FOR US TO TRY TO SAVE OUR HOUSE. IN APRIL OF 2009 I APPLIED, I WAS PUT ON THE FORBERANCE PLAN AND THAT IS WHEN WE WERE TAKEN THROUGH THE RINGER. IT IS NOW NOVEMBER AND STILL NO MODIFICATION. WE HAVE BEEN DISRESPECTED, HUNG UP ON... read full review »