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None. I have had a mortgage for over XXXX years, which admittedly was not fully understood by me of how it would work. It was Interest only. Now XXXX years later the monthly payment has increased nearly {$600.00} a month which is impossible for me to pay. The mortgage % rate is currently 5.5 % and I made inquiry with the lender to refinance at a lower rate so that I could make the payments. The response was that my credit rating was too low and I would not be granted a Refinance It was then suggested that a loan modification could be made. I have dutifully responded to the slow responses and requests from " modifications '' with seemingly deliberate stalling. All this is occurring while my mortgage payments that I can make are not applied and I receive threatening letters concerning additi