Agree Completly

I agree with prior post. this bank is so hard to deal with.  They give you the run around and seems like now tih the mortgage meltdown I can't get away from them. I had money flow problems and requested a modification. After a rejection and six months with the process and finally calling the OTS office They finally granted a temporary modification, but this i one bank that will not try to work with you and are rude.  Tried to refinance they let me know oh you were one of the lucky ones who were able to modify. so basically we don't give those out without a lot of hassle is how i felt.  Now the payment is more comfortable but its going to go right back where it was and the economy still hasn't changed. My husband lost his job during this and they denied a second request to modify a second time and can't do anything to refinance me without me bringing money to the table; and its not like I am not paying or trying to work with them.  I'm just looking for a fixed lower rate to stay stable.  So who knows what will happen.  Wish they were more cooperative.