I started the process of my loan modification at the end of October 2009 many letters and phone calls later, 9 months to be exact. I found out that they would only reduce my mortgage 7 dollars. That's right SEVEN DOLLARS. If i would have known that they were just going to waste my time i would have just walked away from my condo as many people who live here have already. This is one big game. After that the Representative said that they are trying to do a traditional modification. Lets see how long that takes. read full review »