Hi I applied for a loan modification back in July 2008. It took them 3 months to contact me after calling them serveral times. In October 2008 I was in the middle of doing a loan modification. In November 2008 I found out that the person I was dealing with was laid off & my file was never completed. This is not fair. I need this loan modification. I pay $4361 a month without taxes & insurance. My rate is 11% & is going up in July 2009. Can you please help me? My lender is terrible. They don't know what they are doing & I don't know what else to do. Thank you Anastasia Spathis read full review »