My wife and I fell behind on mortgage payments with XXXX. We started a modification process, however XXXX sold our loan to BSI Financial. BSI was not going to process our modification, however we filed a complaint about them with this bureau and BSI promptly contacted us and began our modification. 
Now, BSI approved us for a modification. I am just very dissatisfied with the modification because according to BSI they can not provide us with a better solution than a ARM because that is what we originally had with XXXX. My question to them was, then why the modification if they were not going to provide a better option. So, now we are looking to see if this is legal and/or is it true that a new lender can not provide a better mortgage solution through a modification? If so, where may I get further information on that? 
All we want is to be able to afford our home and retain our home. 
