I only found out after reveiwing paperwork in the process of refinancing my first mortgage that my second had a balloon payment at the end I have 8 years to work on that. The problem is that after paying for 15 years I will still owe over 40,000 of a 48,000 loan. Not even sure that we signed the balloon payment noticeI've done everything short of hiring a lawyer. I've written to senators congressman turned them in to every agency I could find and got exactly dick. I was told everything they did was legal and there was nothing I could do. Now Ocwen owns it. In ten years of a twenty year loan only 9,000 dollars has been applied to principal. My only hope is to keep improving my credit enough to refi. Since they are maliciously damaging my credit by reporting a foreclosure that never happened this has not been easy.