I have tried to no avail to get finalized paperwork for the loan modification they assured me I was eligible for and then they went on about what a great change it would be for me. I sent in everything, full of HOPE, of course, I have the same experience as countless others. They deny they have docs, request things not required in the original package, deny they got that, agree they have all they need, but will not give me the approval as it is supposedly "being reviewed" etc... they take up the entire 90 days this way and never give you an answer until of course, they get you so far down in the hole that if it is NOT approved they then just foreclose on your house. They are crooked. Or incompetent. OR BOTH. One department circumvents the homeowner from talking to the loss mitigation folks, it is one big game to them. They make it up as they go and then flag your file for whatever nonsense they can invent is NOW missing. I am so sick of their runaround. And if they really are so overwhelmed with doing these modifications as they agreed to do, fine, then let's take a chapter out of microsoft and break it down into more manageable parts, they are too big to handle the homeowner account in a reasonable or timely way? They have too many homeowners in need of modifications? Well then lets just part it out to companies that ARE managing to modifying mortgages, if they can't. It is absurd that so many homeowners should be left holding the bag, when there are solutions and Litton just sits back and lets time pass and then denies the modification because they were too incompetent to actually process it.