Please be advised that beginning in December of 2009, I initially called Bank of America, and applied, and was pre-approved for the Home Modification Affordability Program. I received nothing from Bank of America (BAC) in the form of any documentation pertaining to this application. I called late January to follow up with the application and I was told because it was under 30 days that the representative would be unable to see my application and told me to be patient and that the initial wait for a turn around time went from 30-60 days to... read full review »