I know what your saying thank god my mortgage co did freeze our rate but there's tons out there that can't get any help...
My friends mortgage company told them to let the house foreclose they had between 6-12 months to live there free so guess what that's what they are doing.....
Just wonder how far out of hand things will get, I couldn't sell my house for what I owe to save my live....
Good luck I hope all works out for you.....