I have been trying to get mt loan modified for about a year. I have been givin every excuse from lack of documents, you make too much money, u don't make enough, your property has equity, it's in review, the investor will not comply, they don't have a program for me etc etc. And yet they want you to start the whole process again by submitting "the latest financial information" and the rest of the paperwork trail again and again and again! I even went to a homeowners assistence workshop for 10 hours, was told I qualified and yet received nothing. They claimed I was misiing documents. It seems that is their favorite excuse. When I ask why do I have to keep submitting the same documents, I'm told because "it's there policy"!!. I finally contacted my Congressmans office and an aide is working with there liasion. I was contacted by their liason & was told I had one day to submit the same paperwork again. I asked why I don't just submit the paperwork they claim I'm missing only and the laison said "because that's our policy". What a bunch of BS!! I'm joing the Class Action lawsuit and putting my house up for sale. That's what I feel the bank wants you to do. They have investors who want your house if it has equity so they can flip it. In the meantime, I will occupy my home & hope for a miracle.