When I got divorced 13 years ago, I got to keep my house and a large chunk of equity. Shortly after putting the house in my name, I took out a second mortgage with BECU to do some house repairs. My plan was to sell the house when the kids turned 18 and the child support was over. Unfortunately the market took a tumble and I am left with NO equity and a house payment that is too high. Luckily, My first lender CHASE is willing to modify my loan. BECU is NOT participating in the HARP program and WILL not help. Wait, I take that back. They will, for three hundred dollars up front, reduce my payment by ten dollars a month.I have never missed a house payment and I want to continue making my payments, I just need a little help to do so. Unfortunately that's not the kind of help BECU wants to give. Who would have thought CHASE to be more reasonable than a Credit Union?