In November 2009 with the help of the Urban League we set up a loan modification agreement with America's Servicing Company (ASC). The trial period of the loan modification was December 1, 2009, January 1, 2010, and February 1, 2010. Those three months me and my wife illustrated that we could pay the monthly payment in a timely fashion with a great modification rate of 4.00% with a good faith payment of $1288.50, furthermore we also was told that this was a trial basis and the rate could go up along with the monthly payment. February 16... read full review »