Since XX/XX/XXXX the borrowers XXXX and XXXX XXXX have made SEVERAL attempts to resolve the XXXX lien dilemma with Specialized Loan Servicing. The problem begin when the homeowners sought to refinance prior to the maturity of the XXXX lien. The request was denied due to the " lack of equity '' found by the mortgage company - XXXX XXXX. Immediately contact was made with SLS to advise of the challenge prior to maturity. SLS stated the borrowers had to complete a hardship package and submitt via fax or email. The package was sent to borrowers and promptly completed in XX/XX/XXXX. The borrowers stated in supporting documents that they needed to settle the debt which they were told the file was under review for this option. However on at least 4 different occassions since this request was opened the borrowers have received loan modification packages which grossly exceed the borrowers affordability. The payment prior to the end of the maturity was under {$200.00} per month however since numerous requested for settlement, SLS releases calling for monthly payments that begin initially with {$600.00} to now over {$700.00} per month for the next 5 years. NO financial information has ever been submitted, because it is non-existent, that supports they can pay this! .Each and every time the various representatives - XXXX, XXXX , XXXX , XXXX and lastly XXXX , converse with me the do n't have the ability to comprehend what the request is of the borrowers and always ask for the Foreclosure prevention Change of Intent form. This form has been sent no less than 7 times! The borrowers have stated they would like to keep their property, submitted the settlement offer and proof of funds available to pay the settlement but this has been to no avail. I am told that the file is with the underwriter and most recently, I was told that there is equity in the home although I submitted a certified copy of the lenders appraisal which denied the refinance to include the SLS XXXX lien because of value. 
