I recently applied for a loan modification from Bank of America. My loan was originally from Countrywide and was sub-prime. I followed all their directions and was denied. I qualified under all the programs and now my options are a short sale or turn over my deed but keep making payments according to them. To me it's like making opayments for the Titanic. The house is worth way below the mortgage and due to my ex-husbands neglect while we divorced is far from sellable. Bank of America was given an huge bailout and has the worse record for... read full review »