So, we bought our house at the height of the market. Our fault, admittedly. I am trying to get a loan modification. I have called 7-10 times. I have faxed/emailed/provided my P & L 3 times. It’s been lost 3 times. Last time they actually received it and confirmed it 5 days later, the statute had run out on the request so I had to re-submit. Not our fault. The bottom line is be rich or rent. I hope this helps.