i stress my situation and ask for help. to a Get approved for a mortgage loan modification for 19 mo i call and call and everone said the same thing wait for the program that is why we are behind on the mortgage. me and my family have bein lie to by countrywide and bank of america . i have a bad hardship case went i lose incomes for 3 month .compary keep said wait for program that will be approvedto you plese help. read full review »