Is it just me or does it seem like there are alot of people turning down modifications. I am reading some posts here and on other threads about people getting perm modifications and turning them down. I understand when people can't afford it or the modification is above 31% of their income. But it seems that people are waiting for huge principal reductions that are never going to come. Maybe I am just a little jealous that people are getting modification offers while I sit in never endings "review". Anyone else noticing this?? I will now go back checking my BOA "online status" and punching my loan number in the FEDEX site for the 30th time today.