I have been trying to refinance since 2007 after World Savings sold my mortgage to Wachovia I have been told I don't make enough money to refinance at the lower interest ( currently paying 6.65% ) . I have been getting the runaround since I filed for the H.A.R.P. program since november 2009 asking for one paper or another and asking for more duplicate forms that they never received even though I faxed and sent certified the same papers more than once. This delay tactic has been going on for 6 months. Finally heard from them today and they... read full review »