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Deadly Clear 
I can say its next to impossible in California unless you are sitting on more money than you know what to do with,but you prob wouldn’t have a mortgage then would ya.45K, 4 lawyers later,and still have a pending foreclosure sale date 90 days from now.Judge in the first attempt disregarded all of my evidence,my lawyer never argued and kissed the ground she walked on and basically lied and did a bad acting job.That whats been going on and it leaves one in a state of I can’t even describe it but I am sure anyone reading this knows it very well.The regulatory bodies(state and fed)are jokers and stonewalling complaints is all they do,and they pretty much accept whatever is told them by the banks(oh we never gotta hold of him,blahblah,same number for 21 years)Good work and good luck.