I have applied 4 times for a modification with this company. I totally qualify as my husband took a 40% pay cut. They have have lost my paperwork 4 times, sent me to short sale 4 times (i am not under water on my house)and not even contacted me with their decisions. I have to call them and wait on the phone just to have them tell me they closed my file...again. I give up. Obama needs to regulate companies like these that are taking advantage of homeowner and this country. They even had the balls to charge me $95.00 to value my property for my... read full review »