Facing foreclosure Jan 7,2010. Loan modification still under review since April. Taking so long that the foreclosure is going to happen before we get an answer. Foreclosure proccess is not supposed to occur while under review.Bank will not stop. Telling us to call back Monday after Christmas. Bank wants 23,000 stop the proccess. Wife seeking part-time employment suffers from extreme anxiety. I commute to the Baltimore area daily. Roughly 5 hours round trip,plus on road all day as a service technician.I have 2 girls 4 and 9. Both in school. Having to find somewhere to live get help moving and re-register for school just after holidays and with so little time is going to be tough. If we had more time maybe. Thats up to the bank. Time is crucial. I wish everyone a wonderful holiday. Mike