HomEq Servicing personnel purposedly delayed my refinancing until I was far enough behind in my FHA mortgage payments and could only qualify for a subprime mortgage. My original rate of 6.75 was denied by HomEq and I was forced to take out a 2/28 ARM, increasing my mortgage payments by hundreds of dollars that I knew would eventually force me to be in arrears again. I had no choice but to sell my condo but when I did, HomEq, now owned by Wachovia charged me a substantial "prepayment" penalty for paying off my mortgage. Despite varied letters of complaints, I still have not received the over 6k that they took. If Wachovia/HomEq hadn't of forced me into a subprime ARM, I would of have still been in my original home and could of have easily afforded the mortgage payments now. I don't think it's right to be penalized for being forced to sell your home to avoid foreclosure, especially when the mortgage servicer was the one that forced me into a mortgage that I couldn't afford.