I am on a fixed income, until recently supplement with a part-time job. I sustained a rotator cuff injury and no longer am able to supplement my Social Security Income. I contacted Bank of America and requested a loan modification. I not only never have missed a mortgage payment with them, I pay in advance and also make an extra payment annually to decrease the repayment term of my loan. Here's what B of A doesn't disclose, but which I discovered in conversation with the modification negotiator: if B of A grants a loan modification... read full review »