in sept. 2009, i called gmac mortgage, i told them i would be a week late on my mortgage payment of 1330.49 do to decrease of income. ( i have never been late or missed a payment in 14 years ) iwas told that i was approved for a loan modifaction under the obama stimulus affordable housing program. that for sept. oct. nov. and dec. 2009 my payment would be 682.00. was told that if i am denied, late fees and interest of about $ 4, 000.00 would accumulate during this 4 month program. i replied to the repersentive that i cannot do the program as i... read full review »