As of XX/XX/XXXX I have been seeking help from my bank .SELECT PORTFOLIO SERVICING, the process was back and forth with documents. During the process, every time I follow up over the phone, representative says that I am not qualified because I have done a modification before and could not do it again. After a year XX/XX/XXXX received a denial letter showing NPV. 
This year my husband got laid off and all we are seeking is for us to start anew from our behind payments. Started processing application on XX/XX/XXXX and same thing.. 
1 ) Documents processing is too long..Thought processing take only 30 to 45 days. but asking back and forth for documents2 ) sent all the application together with the attached documents, bank statements, pay stub, tax return and others. Calls to verify if threy received..said yes but everytime I call to verify or follow up once a week, a new documents needing again. Asked to process because im afraid theres an expiration to each documents categories. My account manager said " NO '' theres no expiration. Then talked to another representative, ,yes there is an expiration. I am still sending documents here and there. Theres a lot of things happen 8 months. Within 8 months they still asking for documents. Last one is the statement..they said that I have not circled my income within the statement. But I circled it previously, keep sending it until wait again for another expired document ... .then theyre going to ask to send again. 
please..all im seeking is an answer and help. These faxing back and forth is a time consuming and its expensive per document. Please help.. bank statement will expire in another month..and pay stub will expire in one week..and no answer yet. All I receive a call is when they ask for documents to resubmit or say it expire. I hope to hear from you soon.. 
