Back in 2010 I applied for a loan modification with BofA 4 times.
I was always denied n not given any info on why.
I finally found NACA during on line search, went to one of their workshops in San Leandro CA n I applied through them again for a loan modification and finally was immediately put on a trial plan in July 2010, in November of same year I signed my loan modification with BofA n before Christmas I was current on my loan. I got a 2% interest, 30 years and all the late payments were added to my original mortgage.
Thank you N A C A!
Without your help I would probably had lost my home... now almost 9 years have passed and I'm still current on my mortgage and finally planning some remodeling.