I saw an add in a magazine that I could be eligible for a mortgage modification if I had a Fanny Mae loan. I called Bank of America and they told me over the phone after a series of 5 questions that I was temporarily approved for a modification and told me to send in $744.00 for my next payment instead of my usual $1453.00. I was thrilled but a little shocked that it could be this easy. This is when the nightmare began. This was back in October, 2009. They said I would get forms to fill out in a few weeks. They never came. Everytime I called... read full review »