I have refinanced with this company a few times. Each time I called to tell them a problem, their solution was to put me in a new loan. I don't have perfect credit, so at times this was my only option. Now that I am not working 3 jobs to pay this mortgage, I can't keep up with the payments. I have been looking for someone to refinance for years now. I have been through the hardship program with Beneficial and each time I have to re-submit a mountain of paper work every 6 months, just to get a menial lowering of my payment and interest rate. I simply want a decent loan. They are not refinancing at this time. (how convenient) My home loan and my home value are very close, now that the market has changed. I have little to no equity in the home. Nobody else will refinance because of that! I am current on my loan, so there is no help through HUD or other government services. My loan is at 11.209 percent, 40 year, fixed rate, conventional loan. I owe 139,000 approximately and my payment is $1697.00 and that includes escrow. This is highway robbery. I am up against a wall and feel my only recourse is to let it default. I have owned this house since 1987. Something needs to be done with this company. They are taking advantage of good people. I simply want a decent loan! I pay only $49 dollars toward the principle. Is there help out there?