This has been the same for us as well. We have been trying to work with an organization called NACA. They are on the web at naca.com. Unfortunately it has been months as well, and our difference is $1000/month with the rate increase. It is a catch 22 cycle trying to stay on top of the increased mortgage payment and letting the unsecured credit cards go unpaid...but of course, First Franklin does not consider this a hardship!
