I PUT IN WITH THEM IN APRIL 2009 FOR A LOAN MODIFIATION. AFTER 7 MONTHS OF SENDING PAPER BACK AND FORTH TO THEM. THEY SENT ME A LETTER AND SAID THEY COULD NOT HELP ME BECAUSE I DID NOT MAKE ENOUGH MONEY, SO THEY WOULD NOT LOWER MY INTEREST RATE THAT WAS 8.5% BUT I GUESS I WAS MAKING ENOUGH TO PAY THEM EVERY MONTH WHICH I STILL AM DOING, AT THAT RATE OF 8.5% HOW'S THAT FOR AN ANSWER THIS IS NOT A FAIR BANK AND YOU SHOULD BE VERY CAREFUL OF DEALING WITH THEM. read full review »