been trying to modify the loan since november 2008, was given 2 choices, $5000down w/1059monthly, 2$2800and 1079-33years monrhly an dif not approved will return the down payment.so i express mail the downpayment but after 2weeks was told about the deficit and said we did not follow the payment but we're not given any written contract as to what todo after sending the downpaymwent so upto this time we're still up onthe air although we tried to becurrent on our mortgage all what we nowis to lower ou monthly so we coulget by wuth ourlives and still keep our home for 32 years. thank you so much for taking time to read my my complaint.