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loan modification to lower my payment
I have been working with my mortgage company (Litton) to do a loan modification. After being told not to make a payment for the entire time they were working on the loan, they came back with an offer for loan modification: the offer was to raise my mortgage by approx. 200.00 a month. I sent the hardship letter in, all my info, and it took several months for them to work out. They came back after approximately 8-9 months and said I didn't qualify for lower payments. Now, the arrearage added on to the end of the loan will increase my payments. I couldn't even afford them before, this is why I needed a loan modification. How can I get a loan modification with Litton to lower the payment?