Critical error, ASSumptions. If the poster calls it a "mortgage", perhaps she was in error using that term. BUT it is EQUALLY possible she erroneously referred to her loan as commercial when it is, in fact, not. In any regard, REAL ESTATE is involved. Obviously, since she used both terms, it is a toss up as to which one she used incorrectly.

BOTTOM LINE: It doesn't MATTER if it is commercial or not. IF the loan is a fixed rate, it cannot change based on late payments. Period.

IS it possible to write a posting without name calling? That frustrated, dear?

I had to laugh when you wrote I dont think you give enough information? That isn't the case. I think you give WRONG information. There is a difference. (not to mention a hearty chuckle at your postings telling me I am including TOO MUCH information.) YOU defend your right to disseminate misinformation in whatever quantities you wish, but want me to STOP giving so MUCH information?

LOL too funny.

Put you down? Only one of us is name calling and it isn't me. I am disagreeing with your INFORMATION. Not you personally.