BoA has been unresponsive for months now. Said it could be done in 30 days if you were qualified. One qualification was you only had 3 months cash reserves. It's now been going on 4 months and the 800 number jumps runs you thru a loop asking if you want to make arrangements for your past due mortgage payment. Wouldn't be past due had the modification been done by now. Guess they would rather foreclose than help.