Despite record profits and a federal bailout, our nations' banks still aren't helping consumers prevent default and foreclosure. They're still forcing some of us to sit on these time-bomb adjustable-rate mortgages, despite an ability and willingness to pay more and refinance up to a 30-year conforming loan. I've been trying to refinance a mortgage, a no-doc, 7/1 interest-only ARM at 5.375 percent, from Chase, which readjusts in August 2012. I'm trying lock in a 30-year fixed-rate conforming loan that ensure... read full review »