Ditech Financial LLC Mortgage Complaint

Ditech Financial LLC Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Georgia

I currently have a - mortgage on my primary residence located in - Ga. my current loan servicer is Ditech. I have been contacted both by phone and overnight priority written correspondence that my loan is eligible for the Presidents HARP refinance package as my loan has been current for the past 3 years but with some late fees on it. I went over this several times with various loan officers from both Ditech and the previous servicer which was Greentree Servicing. I was told that I am not eligible due to credit issues which arose during an illness that began over 2 years ago and I am still dealing with today. My understanding is that with the Presidents latest package is that there are no income or credit requirements and no appraisal is needed. I do have some credit issues but I do not have the cash necessary to pay these off as I have excessive medical expenses at the present time. I do not understand why I would not be eligible for assistance under President Obama ; s plan since I apparently meet all the criteria. any assistance that your office can provide would be appreciated. thank you