Again here we go with them. We did receive a modification after 18 months, yeah it took that long and several hundred people to do one simple modification. THE PROBLEM IS THE DATES WERE NOT CORRECT, THEY HAD THE AGREEMENT DATED AFTER THE ACTUAL PAYMENT WAS DUE. SO IF WE SIGNED IT WE STILL WOULD BE LATE AND AS THEY HAVE WRITTEN IN THE CONTRACT WOULD HAVE LOST OUR HOUSE. SO ALL WE ASKED WAS TO CLEAR UP THE DATES AND PUT AN ACUTAL PAYMENT AMOUNT INSTEAD OF AN ESTIMATED AMOUNT. HERE WE SIT AND WAIT, THEY STILL HAVEN'T SENT US A CORRECTED... read full review »