I have went through the entire process of the loan modification making the test payments required submitting all documents they requested and at the end of the process they send me the paper work for me to sign and its incorrect. Flagstar bank is refusing to give me a loan modification because of incorrect paperwork that they sent out for me and my estange wife to sign that she will not sign. She is not on the loan nor the property deed and she refuses to sign the paperwork because Flagstar has her listed in the documents as being responsible for the modification. I have called them several time and they are refusing to remove her name or send a letter stating she is not responsible for the financial obligations. They are trying to force her to sign something and she has no legal rights to it or foreclose on the house. 
