My husband and I applied for a home modification loan. We were told to submit certain documents such as bank statements, paycheck stubs,applications for modification, form to the Irs,and others. Some of these forms had to be submitted every month.If im not mistaken we had to start over the modification (Feb) because they said we failed to submit the monthly paper work, which was not true. We have always submitted our paper work on time, therefore,resubmit.We were told by flagstar, that we should be at least 3months behind on our mortgage to file for modification.It approx.over a year to be approved for our modification, saving us approx.30.00, which was a 3 or 6 month trial period. They would not tell me even if we made all pymts on time we may not be approved after our trial pymnts. We were urged to accept the modification even tho it would not solve our problem. During the whole time when we were going on two mos. late our mortgage would always go into default,once our mortgage had been submitted to an attorney.We also included our property taxes and home owners insurance pymts in our mortgage,we were short on one of them and our pymts went up approx. 60.00 dollars per mo.Which we are still paying.We were made to hold on the phone for approx. one hour, more or a little less.Customer service could be very cold at times.I having problems with my computer,also I could not go back and proof read. Thank you for your concerns and help. Debra.

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