I have over 30 months experience with the inhuman(s) that work in the B of A and formerly Countrywide loan modification and home retention programs.. Where to start...? The most henous sequence of events was around Sept. 2009... After almost 18 months of constant phone calls, paperwork, mis information, lies and downright fraud, these geniuses finally approved an acceptable loan modification for me. 3.75% for five years (no principal reduction) for five years then reset to market rates... Not great, , but workable, so I go to a BANK OF AMERICA... read full review »