I have been reading online for months trying to find a way to keep our home from a foreclosure. At the same time in constant contact with my lender Home Loan Services or First Franklin trying to get help on my loan before it reset. I had never been late until this November when it adjusted. Mind you this current loan we were promised to get out of two years ago into a much lower payment. Months of requests including getting us approved for an FHA loan they told me to get so I could finally get a safe secure loan we could afford. After I was lead to believe it was a done deal they denied me. It was all for nothing, because that is what they have done so far…………..nothing. I will be 90 behind come the first of the year. I keep reading and hearing a lot of words for help, but please tell me where are the REAL actions to back them up? Or at the very least how to protect my family from these liars when they take my house back. Another family in California to become homeless, Catherine