I 'm writing again to yous it 's my third time because I just got my response back from my second mortgage and did not like what I was told saying that they can not combine my both mortgages together they can do a modification on my second loan but I have to put 5 % down in which I do n't have the money for and now they are telling if do n't pay the months I 'm behind they are going to put me in foreclosure I have been paying for the last eight years every month after month and being behind on other bills so I wo n't be behind on my mortgages opening credit card accounts just to pay them and now I 'm stuck paying all this cards and now they tell me they ca n't help me out unless I have 5 % down I talked to a mortgager and for some reason she had a not so nice attitude with me when I told her I do n't have all the backed up money I owe them and the money down that they are asking for I do n't know and do n't understand in what kind of loan they have me stuck on that I just ca n't seem to get any bank to help me refinance it they all have told me the same that they ca n't help me because I am not with XXXX or with XXXX or with harp so I just do n't understand that I have told them the situation and they also do n't seem that they want to help me cause if they know the banks or no one else can help why are they making hard for me to refinance my second mortgage they refinced my first mortgage and I did n't have to put nothing out of my pocket they included my closing cost in my mortgage so I was ok with that not very happy but was ok so I was hoping that they would do it with my second mortgage I do n't see why they ca n't do the same I do n't know and do n't understand why I do n't qualify for it I just believe that they are making to much money on me so they do n't feel the need to help me so you see this why I 'm writing back to yous also I do n't even know what kind of loan I have 
