it sucks ass what banks and creditors get away with. when i bought my house, i got the type of loan switched on me. it was too late for me to change my mind because i pissed off my landlord so i had no where to live if i didn't take the house.
Dear lord. I knew it was bad, and partially working in the mortgage industry, I understand the craziness that some of the back-office people have in this, but you got massively fucked over. Once this is all done, in about 3 years, go to a Credit Union, seriously, not because I work for one, but because you'll get better rates and services. You probably qualify for like 5 different credit unions. I can look through what I have from my basic mortgage training and see if there's anything I can pass to you to help you out.
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i hope this ordeal ends for you soon.
good luck.
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