After my 2 year ARM loan adjusted from 6.8 percent to 9.9 percent, and getting hit with taxes and fees. My payment went from 2075.00 per month to over 3400.00 per month. Countrywide denied me a refinance. Debt ratio was too high I guess. Now my credit score lacks also. All because I have not made a payment to them in two months. We have been going back and forth over this damn loan modification deal. They have news stories. They have internet stories. The big ole president of countrywide himself has promised all us bums a pre approved loan... read full review »