We have a terrible adjustable rate balloon mortgage. We are one of those people that got roped into a loan didnt know what we were doing told not to worry just to get you in the house and now here we sit 3 kids lower middle class and struggling. We just called ocwen to ask about a loan modification and the man from India said they will send us a packet to fill out. Just wanted to know if anyone has done this and what the outcome was and how long it took to happen. thanks