After so many years of struggling to stay in our home, we finally received some relief. I receive disability from VA. We now have enough money to start paying for our home, but the bank does not want to refinance unless our house is worth a certain amount (meaning they will only refinance if the appraisal comes back at what we owe or 105 percent of our house worth). I agree that they are trying to wait until the market picks up so that they can make billions . . . trillions of dollars off of people who can't afford to keep their homes. What is so sad about this is that the whole world is suffering because of our greedy banks. Other countries have invested heavily into mortgage industry either directly or indirectly and they are all losing money simply because our banks want to make a profit. They can not imagine the number of people that they have ruined. I wonder how they sleep at night knowing that they are a bunch of theives. May God have mercy on their souls.Anyway, I have tried over and over and over and over to tell my bank that I do not need a motification. I just want to refinance and get into a fixed mortgage. They don't want to do it unless, I miss a few payments and mess up my credit rating and then take years to try and help before they try and foreclose. They probably wish that I will abandoned my home so that they can resell it in a few years for a profit. Yeah right!