We refinanced our home of 16 years in 2004 with Homecomings Financial. We were advised to do an adjustable rate mortgage and the interest rate was 8.5%. This was because we were self-employed and they went on stated income, rather than income verification. Our interest started at 8/5% and is now 13.625%!!! My husband had cancer surgery in Mar., 2005 and is now on disability. I requested loan modification to reduce interest rate April, 2006 and they always say that they have not received it. Submitted several times and even talked to their credit counselor contractor, which means they did receive request. Have paid over $32,000 interest 2007 to date, not to mention thousands in fees & additional charges. Need help!! Congressman & Senators have been no help at all!!