I called the company to ask for a Loan Modification and they advised me not to pay my mortgage for 4 months then call back. I called the company 4 times and it is the same answer that I received. I received a letter in the mail from the company saying to call us we can help if you are over your head with your mortgage. My loan is also covered by FanyMay and they told me I was ### out of luck! Does anyone have a solution? I need help before I do lose my home. I have lost everything else...Sold newer car, dropped home phone + cable and internet and eating off cheap caned food since I need to make the payments.