XX/XX/1999 I purchased a XXXX mobile home, and when signing the paper work, the finance company side if the interest rates went lower they would lower mine with in a year 's time, they did go down to about 6 % when I signed it was 12.25 % and all these years I have been paying nothing but interest. I have called more times that I can count and asked for a refinancing or a rate modification and each time I am told " sorry we do n't do that ''. it make 's me want to tell them well come get it then and give them a week to do so but I have put a lot of money into my home. my husband and I have reroofed it put floating floors thought out it and replaced to kitchen and bathroom floors with tile painted the out side this is home. I just do not understand how or why they are so unwilling to work with me my payments are on time never late but like everyone else I have a hard time and have to let other things go to make sure that it stays that way. I tried to trade it in before I we did all the work on it and all mobile home dealers in the area tell me the same thing " you are up side down on the money '' your home is n't worth what you owe ''. where do I go? what do I do form here? is there any help for us? my home is on privet property family owed. the the company I am financed with has changed name 2or 3 times I have asked for help 2 times each from each of them once to refinance and then to do a loan rate modification. 
