I have been trying to get both my 1st with B of A and my 2nd with Green Tree modified, for the past year and half. Probably going to sue B of A on the first, Green Tree is still looking for the 118K. They have offer 50% over 12 months or prinicpal only for 11 years for the 118K. Any advise would be greatly appreciated, live in Hennepin county (Fed. Diaster) Minnesota. Thanks!