Don't Deal with Chase for refinance or anything else! Been 2 yrs now trying to get a refin. or modification on my home loan. Fax papers, lost papers, pay new rate for 3 months trial, turns into 6 mths. then they deny me. Took money and applied it to the principal (not pay the escrow like they said they would), now out tax money as well! Decided after all this mess (never late on a payment by the way) to file Bankruptcy 7. What most people don't know is that if you just foreclose and walk way Chase (and another company) has up to 20 yrs. to come after you for the difference of $$ from the auction of the house vs. the loan amount. Check out your state laws to find out how long they have to come after you. We chose Bank. 7 cause they can't touch us. Such a tragic loss, have owned 5 homes and never missed a mtg. payment and still haven't, will file Bank 7 next week. Chase will never work or refinance your mtg., Obama plan is a joke. FYI during a "modification" they can also (without telling you) start foreclosure procedures. Next thing you know, your paying your modification and get a letter from a law firm telling you when the auction of the home is. Believe me, we did our research, found a rental home and locked in for 3yrs., and now were going to pull the rug out from Chase. Yes, they will write it off, but can't get anymore of my $$$$. Get a lawyer and get the facts. Next big business will be the collection of "owed" funds from all these foreclosers. People who walked away are in for a real battle, possible for years.