My home loan originated with citizens first and when they went under, my loan was sold to nationstar. I have recently notified nationstar with inquiries regarding refinancing since my current loan is a 5 year arm. The representative I spoke with informed me that I was eligible for a loan modification because my home isn't "worth" what I am paying. So basically they are offering to forgive approx 40, 000 off the balance of my loan. I am just finding this hard to believe because I am not behind on my payments - just curious if... read full review »