I had a terrible experience with the loan modification process with Provident Funding! I will never ever get another home loan through them! I first applied for a loan modification with them in 2008. To qualify, I was told that I needed to be behind on 2 payments. They took 6 more months asking for various documents from me to do the modification, then they told me they didn't do modifications, and I owed them several thousand dollars for attorney fees, fees related to foreclosure on my home, besides the back payments! After that, I hired... read full review »