I have a sub prime loan for 165,00 3 years ago, 80/20. Last year they erroniously kept crediting my smaller loan with my larger loan payment and I got behind on my larger loan and way ahead on my smaller loan...So they were going to start forclosure without me even knowing it! So I got a modification and my smaller loan went from an 11% arm to a 5% fixed, and my larger one went from an 8.125% arm to a 6.5 arm, but I believe I have a balloon payment which matures in 2036....Plus I sent 1800.00 in and now they tacked on all these delinquent charges totaling 14,000! So now I owe about 173,000 0n a 165,00 loan that I have had for 3 years and my home even after a 15,000 new kitchen is only worth about 160,000 in this market. Am I worse off, and do I have any other options? I haven't signed the modification documents yet...Please advise!

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