HARP 3.0 the only hope for us as a struggling responsible home owner. Being held hostage by HSBC Mortgage Services

We signed our original Adjustable Mortgage with Accredited Home lenders with the hope that we will be able to refinance in 3 years. 2 weeks after the closing HSBC Mortgage Services acquired our loan. Its not backed by Fannie May or Freddie Mac. After 3 years with the down turn in economy and the housing market collapse, and a job loss we were not able to refinance and HSBC does not refinance and didn't qualify with any other lender. The Mortgage which was originally 7.75% shot up to 10.75. It has the potential to increase to 14.75% . We are in our 50/ 60s we want to save more so we can have a decent retirement but our Mortgage payment takes it all. We thought we are doing the right thing by not walking a way . We suffer the same as the others helped by HARP I beg to pass HARP3.0