In XXXX, 2014 we received a loan modification on our residential mortgage from Specialized Loan Servicing , Inc., agent for XXXX XXXX XXXX, XXXX. During the modification process we were assured we would be able to refinance our mortgage after the modification to current market value and thereby get out of being " underwater '' by {$85000.00}. After repeated attempts to contact SLS we were told they do n't refinance mortgages. This is contrary to what we were lead to believe, and does not help us regain solvency as promised by SLS. We now have a mortgage of {$300000.00} and a property valued at {$200000.00}. This is hardly helpful and is little more than a sand pit that never gets emptied because the interest ( sand ) keeps filling the void. I am XXXX and do not have any earned income. 
