I have been going back and forth for few years on modification trial packages. In 2013, a loan modification given was accepted by me for a total payment of {$2100.00}. I made payments timely for seven months ( 4 months past the trial period ), but could not complete the process due to title issues. My mortgage bank wanted my student loan to be in subordinate lien position. I gave a written authorization to that effect. The bank 's negotiator did not follow up her responsibility until the system timed me out. She asked me to reapply, which I did. This time, the total mortgage payment jumped from {$2100.00} to $ 2,900+ in just few months. I questioned the increase in payment as my income remained the same, but was asked to make a one time payment as an act of good faith while she works to get me a payment close to {$2100.00}. She never did and I did not make another payment as that was too much at the time. A new negotiator was assigned and she got me another modification package and this time with a payment of {$3200.00}. I was not happy and rejected it and insisted to get the 2013 package or close to it. All these time, the bank and the negotiators took forever to get XXXX modification done. In addition, the value given to my home is so high compared to its condition and market price. I once paid {$200.00} to a XXXX party to dispute the bank 's appraised value. As of last month, the bank denied me a complete modification with reasons that I had exceeded my trial modification periods. I only accepted the 2013 modification, even though I made periodic lump sum payments before the beginning of the trial period and in between. I feel that I have been deceived all this time, babysitting the property for the investor who is waiting for the market to turn around. I missed XXXX opportunities to buy similar homes on contract for deed for less and affordable payment. In 2013, after making XXXX payments and assurance from the negotiator that she would get me an affordable mortgage payment, I started to complete my unfinished basement with expenses of almost {$11000.00} in framing, electrical, plumbing, etc. The bank recently asked me to appeal their denial decision and property valuation for a second time in less than 2 1/2 years. I need help in keeping my home with an affordable payment as my little children are emotionally attached to their schools and neighborhood. 
