I need help desperate for it. I am disabled and went to refinance and got predator lender. He took full advantage of me and ending up dropping my FICO from 702 to under 500 now noone will touch me except high payments I can't afford. I am ready for breakdown. Never missed a payment in 25 years the people who told me HFAO? did nothing. What do I do? I don't want to loose house he told me to spend Feb payment I can't make it up. Please someone direct me. Tammie