Like all of you i have fallen under the lies of these crooks and i was never late on payments until my father suffer a heart attack caused by stress of the pressure that first franklin was putting on every minute of our lives [censor] we could only watch how quickly our mortgage bills kept growing. they denied my request for a loan modification after almost two years of hard work and negotiation with them and they ignored my financial situation and my entire families frustration. Out of nowhere i was asked to refinance again as an in home modification and was approved within a month but it was all the same rip off again and again. I have currently found out that i was also a victim of a racial scandal where first franklin gave hispanics and Afro-Americans a higher interest rate violating our constitutional rights. It seems to be a never ending story and all i want is a roof under my family where i could grow old and see my two year old baby grow nothing more but it seems like not this or many of the dreams of many more hard working americans will ever come true in this life time. Despite the hardship and frustration i will never give up and keep fighting for my family hopping that our government realizes that United states will be destroyed along with the so call American dream that is in the trash for many of us while they they praise so much and put the needs and luxuries of this industries and banks over their people the Real Americas...