I am dealing with the same thing with Chase Home Finance. This loan modification process has been going on for 11 months! At the beginning of the loan mod process - They never informed me that the loan modification payments would be considered less than an actual payment, thus making me have "rolling lates" - consistent late payments. Now my credit is even worse. Actually, I could have paid the actual mortgage payment when I started the process, but they kept telling me to "keep making the trial payments - keep sending them... read full review »