B of A won't let me modify. they will refi my loan. anyone get them to modify ; and if so how?B of A keeps telling me I don't qualify for the modifying program; when I do. they insist on a refi loan with points and a higher loan amount that includes all the fees and cost of the loan. my payments are 60% of my gross pay now. they only want to reduce it to 50%. when the modify program says 31% is the max. any ideas on how to get them to follow the rules of the program? they want the refi because it makes them more money.July 28 2009 - Portland00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.