More than 6 months and dozens of requests for more documentation and am not exaggerating. I am waiting for approval for a modification loan etc. All of this happening while I have a leaky roof which needs to be replaced. I have explained this to them time again to the with no explanation from them as to why they constantly need more updated documentation. My house will become unlivable if I do not get a full roof replacement and I will not get a $15,000 loan before I have proof that I can keep my house. This stress is literally killing me. User's recommendation: Get a lawyer for your own protection.