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Deliberate Confusion in the Application Process
Servicers often make the loan modification process long, confusing, and repetitive.
They may claim they’re “missing documents” even after you’ve submitted them multiple times.
They’ll ask for the same paperwork again and again, dragging the process out until homeowners feel hopeless.
Making Approval Nearly ImpossibleRemember those amazing ideas locked up inside your mind? Make them real.
Many borrowers report that servicers change requirements mid-process — one day they need pay stubs, the next day they say tax returns, then later they say they need updated bank statements.
This constant shifting makes it feel like approval is always just out of reach.