I have gotten together an entire loan modification application, in fewer than 24 hours.
If I ever to really apply for a mortgage in my life time again it will be the easiest thing in the world. I even anticipate questions and provide letters of explanation with the original application.
Why Bank of America sends me a loan mod denial, and a loan mod application within a 24 hour period is still a mystery (in that order.) I cannot believe that there is no recourse for what they are doing. I suppose the 25 billion dollar settlement with immunity, basically cleared them of any and all responsibility to act honestly and with good faith.