I've had a loan with FH for about 5 years. Alway paid on time, never late. Credit good even though my income dried up. I'm a saver. Finally decided to ask them to remove PMI. Local RE agent came out. Valued the house $100,000 below obvious market value. I wrote FH and politely asked them to review my case, gave them comps, review my payment history and credit. They wrote back and removed the PMI. That saves me about $100 a month which I can now apply to paying down the mortgage. Life's tough out there for everyone, but all mortgage companies aren't evil. They're in business. They have income and expenses. Don't take all this so personally. If you've lost your house, get an apt and a dog or cat, a job if you can, and move forward. Life is short. Be kind to yourself. Times a very tough. It's not just you.