I've been trying for a home modifcation loan I lost ten percent of my pay and my wife is on disability. I paid legal helper $895.00 but didnt get no where then I went through this h.a.m.p program that charge me $700.00.In December 2010 Flag Star sent me a letter stating they were reviewing my file. I explained that i tried to refinance but couldn't because my house appraised $200, 000 and I owe $208, 000. The thing is because I'm just late on my home loan and haven't missed a payment they wont approve me.My wifes parents been paying my mortgage for seven months.My house three years ago was $285, 000 oh and my mortgage payment was $1, 436.00 and now its $1, 449.00 when I called flag star said property taxes went up. All my neighbors went down in property tax but mine went up and how when the housing market sucks.Right now I have a conventional loan and its 5.50% interest rate for thirty years.I even made a complaint to bbb but no help yet just keep sending the papers every month.