[Adam~]

listing on MLS optional? I live in Ohio. We were late on one of our payments and we received a letter in the mail from US Bank informing us of the H.A.M.P. program. We said to ourselves, "would we like to lower our monthly mortgage payments? ... Of course!" ... so we applied. We had no idea this was going to be the beginning of a nightmare. We were sent another statement, we called in and asked about our application. US Bank: We were told, "Oh no! You don't want to make a payment if you've applied for H.A.M.P.!"Us: "Well, what do we do?"US Bank: "Just wait, it takes time to process, we'll contact you. Give it 3 or 4 weeks."Late notices start coming, and calls are rejected automatically because they (US Bank) do not have the time nor manpower to handle the paperwork. We called again ... Us: "Should we re-apply?" ... US Bank: "No, that will only further complicate things."Long story short, we are now in foreclosure and are confused on how we even got here? We are not trying to work things out, they just simply will not allow us. We've even tried making a payment over the phone. What options do we have to stop foreclosure? ... and ... What if we want to sell our house? Can it be listed in the MLS if it's under foreclosure?*Folks, please, please, please stay FAR AWAY from H.A.M.P. (Home Affordable Modification Program)!!!