I HAVE A HOME LOAN WITH FORMER CONTRY WIDE HOME LOAS:NOW BANK OF AMERICA. ABOUT 2 MONTH AGO, BANK OF AMERICA OFFERS CALL ME TO TELL ME THAT: I WAS PRE-QUALIFIED FOR THE OBAMA PROGRAM(MHAP) THAT I SHOULD TAKE ADVANTAGE OF IT. 3 DAYS LATER I RECEIVED THE FULL PACKAGE FILLOUT AND SEND BACK TO THEM IN THE SPECIFIED TIME THEY TELL ME, INCLUDING ALL THE DOCUMENTS THAT I SHOULD INCLUDE, INCLUDING MY FIRST OF 3 TRIAL PAYMENTS. AS FOLLOWS: 11/01/09, 12/01/09 AND 1/01/10. THEY RECEIVED MY FIRT PAYMENT AND DOCUMENTATION ON 10/26/09. BUT THEY NEVER CHANGE... read full review »