I lost my second job and had my income reduced by 3% through statewide furloughs (I'm a state employee). I got behind on my mortgage payments and heard about the Home Affordable Modification Program through a friend. I applied for modification through Bank of America (BOA) in early August 2010 and was able to send in payments for all of the months I was behind. BOA sent three of my checks back. I called them to inquire as to why and she told me my home was in foreclosure. She said I would need to send a cashier's check for $3804 for... read full review »