WOW! If you have not recently applied for a loan modification, I urge you to do so. husband has been having fits with our mortgage. He pays it on time every month. EVERY MONTH. For 5 of the last 6 months he has gone online to pay it only to find we are in foreclosure status. There is NO reason for it. Each time they want a double payment. He did that the first time. (I was N.O.T. happy.) After that he calls to see why we are in that. There is never a reason. It is a mistake. The third month it happened they were going to give us one month free (with them paying, not tacking it on to the end of the loan). It never happened. THIS time he was very unhappy with them. He got a woman who said it was nuts. She is putting through a loan modification that lowers our payment by over $150 per month. Does not extend the life of the loan. We have to send some tax info and income info (thankfully husband has been working as a temp at the University on a very steady basis!). We do not make a payment this month. (He got this in writing!) next month he pays the lower amount. And for 2 months after that. Then they will lower the interest rate even more and we will have an even lower payment, lower interest, and we will still be paid off in 10 years!!! husband NEVER pushes for things. He takes the first offer and thinks we should be grateful for it (VERY frustrating when buying a car, let me tell you!). I did not expect this, but apparently husband was getting fed up with how our mortgage is being handled. So he asked for what he wanted. And GOT IT!!! So if you want to stay in your home, go ahead and ask to have the interest and/or payments lowered. The worst they can do it say no. but only roughly 85,000 people have taken advantage of the govt programs to help homeowners!! So they are starting to really promote the programs. The worst they can do is say no, Know what I mean??