I m trying to do a loan modification with my bank which is Bank of America since XXXX 2015 and till present they keep to deniey my application and ask me to short sale my property, and I have no other options without any valid reason.i ve been having some financial problems due health problems and its bills, a major damage in the house due to water leaks and Ac repairs totally needed replacement and also my property taxes are rising too high on the property which increased my escrow account. 
