I have been diligently working on a loan modification for the last 2 years. I fell into a hardship in XXXX and was working with the bank for assistance. I hired a XXXX party to guide me through the detailed modification process. We provided all the requested documents and stayed on top of deadlines. After a year of working directly with the bank they denied the modification. I then had fallen into foreclose status which I was trying to avoid. They advised me to apply for XXXX. I have applied twice with the program, once in XXXX which was denied and again in XXXX. I was approved this last XXXX XXXX for assistance. XXXX provided the bank with the approval. I met all the requirements XXXX needed to assist me and get my loan back in good status. They bank needed to modify my loan for the assistance to be accepted. This would have brought my loan current and a lower payment so I could start back making payments. The bank refused the assistance stating that the home had too much equity and they advised me to sell and pay off the loan. I am a single mother with XXXX children that live full time with me. I was granted the house through my divorce in XXXX. I had maintained this responsibility up until XXXX when my XXXX older children became of age and my child support ended. I am XXXX and the economy hit at the same time my fund were reduced. My hardship has improved and I would be back on top with the banks approval along with the government assistance. I have a lengthy paper trail of my commitment to keep my home. I was been advised by the bank every step of the way. Every option they asked me to follow I did. I have spent a solid 2 years consumed with following their direction. I find it unfair and unethical that they will not provided the help that I have proven with documents that I qualify for. 
