I 'm trying to keep my existing home and I am currently requesting a home loan modification from Bank Of America. The house is currently worth about {$120000.00} less than what I paid for it back in XXXX. My wife and I went through a financial hardship from XXXX thru XXXX, lost of employment and a dramatic decrease in income. After having a forensic loan audit review done on my original loan documents, the findings were alarming, to say the least. To start, the income stated on the application was falsified, location of closing was also incorrect, there 's to much innacurate information to include on this complaint. I currently have been employed for the last XXXX + years in the same job industry, they keep denying my loan modification claiming, I do n't qualify based on the guidelines of their existing modification programs. I should have never been approved to buy this house to begin with, but because of the falsified information included on the original loan application, THAT WAS NOT PROVIDED BY ME, they were able to approve my loan. This also has caused unwanted stress, ruined my credit history, damage to my reputation, and uncertanty to my family. All I want is for the loan to be adjusted to current market value so I can continue making my payments. I almost forgot to mention that they refuse to accept my monthly payment. My current income is more than enough to qualify for this payment. 
