You know how sometimes you’ll hear a song or a catch phrase so often, you think you’ll scream? Like, "Where’s the Beef" or, more recently, any song by Lady Gaga? (Don’t worry — I’m not really sure who she is, either.) These days, my personal version of this phenomenon has got to be some variant on, "I thought the mortgage companies didn’t want to foreclose on homes! I don’t understand why they won’t just modify my loan."

So, lenders, consider this an open note to you. Allow me to give you a piece of my mind — excuse me, your borrowers’ minds.

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