I am officially late with 1st today. There will not be any more payments. I've been unemployed since the end of last year and can no longer pay. Applied for HAMP and denied for any type of help. Thanks to this site, I have learned that banks don't give a crap about anyone's hardship. They are making huge profits again thanks to us and will not help the little people. This is the first time in my life I have ever been late on anything. I have always done the right thing, worked my butt off to get ahead in life, saved enough money to put a huge down payment on my house and now will lose it all. My only crime is that I did not plan for the collapse of the economy. My mistake. I guess I am not a responsible homeowner. I should have had a whole bunch of cash to payoff my house when the economy failed. What an irresponsible homeowner I am. Anyway, calls have already started. Credit scores in the 800's and about to be trashed. I am very, very sad but there is no help for me and I know it's not worth my life. Thanks to all the people who post on this site. I know that I am not alone. It's so unfair but that's the way life goes. The government screwed up big time by making all these programs optional. That's why millions of people are losing their homes.