Made payments, forclosed 10/07 for non payment, notified in 2/08 we were in forcloser, have 4 forbarence agreements new loans have made all payments early, still 2 days before payment due they charge late fee reported to credit bureu we are 31 payments bedhind but each year we have recieved 1098 for interest payed on mortgage over 10000.00 now they want to do a new modification with payments 3@ 1100.00 and 1 @ 41000.00 and then will look over payments and refinace 121000.00 all together 165300. 10years ago we paid 76000.00 we have no equity... read full review »