[evel1999]

These negitive arms are sure not a good loan. It is very hard to get them to modify them and it is very hard for the homeowner to be able to afford the payment even if they can modify them.

Maybe if you have your loan documents reviewed and you have TIL and RESPA violations you could use some pressure and get them to reduce your principal balance and interest so that you can afford your payment when you get a loan modificaiton. It has been done and is not impossible.

You have a lot of decisions to make coming up in the future. Decide what is best for you and work on that.

I know the stress of how much time and energy this will take. I was under so much stress and like you, my husband was ready to just give up and move before I finally was able to get the loan modificaiton.

Weigh all areas and decide which way you want to go.

The RESPA Letter Request does work. I mentioned in mine that I had RESPA, TIL, Inflated appraisal and fraud when I received my loan. I seemed not to be able to get any where with ASC till I did write this letter. Then I got a response from them.