Because of company layoffs I now work for a job that pays only 2/3 what I was making, there simply aren't any other jobs available. I've been surviving my Mortgage payments by depleting my life-long savings account. I can't sell or refinance the home because it is now worth 25% less than what is owed. Well, the savings are gone and I no longer can make the mortgage. I called Chase to discuss a loan modification BEFORE I begin missing payments. My hope was to reduce the loan interest rate to the prevailing interest... read full review »