I applied for a Loan modification they replied in 4mos that I had to apply for a home affordable loan denied in 2mos. Now back to a Loan Modification more waste of time they need everything again. Can't say if they will approve and how long it will take in the meantime money is scarce and may have to file bankruptcy for all the delays in approving a modification wasting my time eastern time zone. Only while I'm at work. Calling to only have a wait time of 15 to 20 min to get to a representative. read full review »