I HAVE BEEN ATTEMPTING A LOAN MODIFICATION WITH BANK OF AMERICA. WITH 2 MORTGAGES THEY SAID I DID QUALIFY FOR THE MAKING HOME AFFORDABLE PROGRAM.THEN, IN THE MIDDLE OF THE MODIFICATION THEY SOLD MY SECOND MORTGAGE AS UNSECURED DEBT WHICH NOW I CANNOT MODIFY. THEN RECIEVED A NOTICE THAT I WAS NOT QUALIFYING SINCE THE FIRST MORTGAGE DID NOT FALL ABOVE 31% OF MY GROSS MONTHLY INCOME. THIS PRACTICE SHOUD BE ADDRESSED. I GUESS THEY ARE GETTING THIER $340, 000 HOME BACK AND CAN RESELL IT AT $200, 000 AT BEST. GOOD LUCK BOA...I TRIED TO DO THE RIGHT THING. I GUESS BOA IS PROVING MORE AND MORE THAT IT JUST ISN'T WORTH IT. read full review »