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 an attorney to help me get the loan modified. By the time they approved the modification, they wanted close to $60, 000 for additional fees and back payments - they refused to put any of the cost on the back end of the loan! And, I had 6 days to come up with the money! The interest rate they then gave me was not as low as I hoped for because they said I was "in default"! They are the worst loan company I have ever had, and they legally get away with this crap!!!