Quote: Originally Posted by Shannond4156 Steph, What a headache!! I work for a large mortgage company in town (bet you can't guess which one), so I have a little bit of insight. I would suggest calling whoever holds your mortgage now and try dealing with them. Many of the brokers have been cut off from the lenders as the market has gotten worse and don't have the same options as those who originate mortgages. Now that I am talking in jibberish, let me know if I can help. Thanks for the info, maybe I'll just try another route by going to Wells Fargo or something. I can't do anything though my Mortgage company because according to them they "service" my loan but are not a lender? Anyways, so refinancing or anything though them is out. I feel like I have hit a brick wall.