JB in California said: “I have had a mortgage with HSBC for 3 years and my rate is about to go variable. I have contacted HSBC to either do a loan modification or refinance and their representative informed me that HSBC would no longer be doing refinancing on home loans and that their only loan modification available would be temporary at best. Then the representative told me to go to another lender. When the conversation was over she asked if she had been helpful. Helpful?”
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