i have been trying to get a modification with homeq since july of 2008, they have "pre-qualified" me but they want 5350.00 for a down payment and then, the request will go before a review staff, to see if i get approved, i am now in forclosure, had to file bankruptcy just to stay in my home this week and they still are looking for the down payment of which i dont have, i just dont know what to do anymore, i hope i live long enough to get this resolved because it seems like it never will