Modification process is not timely at all! Took 7mo to get approved (understandable in the current economy) But since approved, nearly 3 months has passed, and my interest rate is still NOT corrected, and paments CANNOT APPLY, because changes are pending. There is the double edged sword! No one really returns calls, and voice mail boxes always too full to accept any messages. Do the work on time, save tons on the re-work, and corrections to be made. My payments are going into a suspense account, I'm not real comfortable with that if the... read full review »