I have been waiting for my loan modification to take place for over two years now.. I had to almost file bankruptcy as well in order to stop a foreclosure sale on my home in 2008. I completed a forbearance plan and I was told my loan would be submitted for a modification. I have sent in financial over and over again with other supporting documents. I have never been denied. They even asked me if they can send an appraiser over to look around inside my home. I asked why via email and I got no response. They even lied to me telling me that... read full review »