Who can a homeowner complain to? I applied and was ...

I can't do justice here but did you know that your note was illegally converted into a security and sold  without your permission or knowledge ?  Did you know that you as the maker of the note are entitled to dividends and compensation when the note was sold ?  I could go on and on but suffice it to say the SEC, FTC, HUD, etc. are good places to start.

I'm in this business every day (personally on 5 mortgages) and doing residential and commercial modifications and am in the process of rescinding 5 mortgages for lender fraud.

Contact me personally and I can point you to some resources. Know this if nothing else, the lender is only looking out for their interest and just short a baseball bat will get their attention.  You can do this with the right knowledge.

Google "wheres the note" and "foreclosing without the note" and get educated about all the fraud and laws the lenders break. Finally google "kansas supreme court ruling on MERS". 

and yes we can help as well, but get educated first.  You have a ton of leverage as a homeowner and most don't know because the banks would have you believe they are in control and in reality they are not. They just need to be exposed.

You were taken by a scam as you were not told the truth to start with the same way most are taken on a reverse mortage company tried to do me. Try reporting them to the Attorney General or the Sec, FTC,and HUD as they controll most of how banks work.THIS IS CALLED YOU WERE SCAMMED OR CONNED.

SB 1018 is a great idea until you get to the part where the suspected abuse is supposed to be reported to the local Adult Protective Services Department. Such agencies are all too often nothing more than tax payer funded quagmires. The abuse of the elderly for any reason needs to not only be reported to the Police but actually able to be acted upon and treated as criminal matters.

In addition, SB1018 doesn't go far enough. Abuse doesn't end at 'financial institutions'. This Act needs to be expanded to include financial abuse by homeowner associations, doctors, lawyers, hospitals, nursing homes, realtors, and insurance agents, among other entities.

The question is "How do you modify your mortgage under obama bailout plan successfully?". One wrong move and you are denied or your lender offers very little in the way of relief.  Have a professional do this as they know how to package your submission to get approved. Remember that most attorneys are paid by the hour whether or not your modification is successful or not. Here is an example of a review about an accredited loan modification company: http://www.bbb.org/memphis/business-reviews/mortgage-and-escrow-companies/conquest-financial-services-in-memphis-tn-15003562

After viewing their rating, if you still have questions and want to speak to someone: go to www.loanmodificationshelponline.com