my husband and i, 10 years ago obtained a mortgage thru XXXX XXXX Loans, unbeknownst to us it is a 30 years ARM that adjusts every 5 years and is owned by America 's Servicing Company.As of XXXX it has doubled. We applied for loan modification right away, an appraiser was sent to my property to do an external appraisal. This is my first issue, the appraisal is full of such inconsistencies that its fraudulent and the valued of my home that had an appraisal for this mortgage for {$110000.00} was now valued at @ {$61000.00}. I pay property taxes based on XXXX Now i 'm faced with a mortgage i cant afford, a fraudulent appraisal on the XXXX now that values my home for XXXX for what i owe on it. 
