The underwriters have now come up with new paperwork that they need. For some reason they are just realizing this in February and they have had the modification packet since October 2011. This being our 3rd attempt, BofA has made it quite clear that they will do anything and everything to delay the process. It's got to be undocumented instruction to their employees, "At all cost keep them from achieving this modifcation. If we keep playing games long enough, they might just give up!" Well guess what Bank of America aka Merrill Lynch... I am not going anywhere and I will be the thorn in your side, you will have wished you dealt with a long, long time ago.