I have been in a loan modification trial for seven months through Bank of America which is now under the umbrella of BAC LP. My trial period of lower monthly payments including Taxes, mortgage payments and( supposedly homeowners insurance ) is in its (7th) month. No finall paperwork and documentation... I have never missed a payment under the new rules. I have called Fannie Mae to complain. They said they would call back, which I beleive they will do. However Bank of America will not return my calls and now they say my analyst i... read full review »