US Bank Home Mortgage US Bank Does not want to modify my fradulent mortgage, no cooperation from bank St. Louis, Missouri

Our home was appraised for more than it was worth in 2008, by their appraisal company using a non existing bathroom that does not belong in my home.

- Okay, IF this is true you probably have a good case against the apprasial company, the bank, your real estate agent, and the escrow company, and you may even hold some responsibility.  Because if I read this right you are basically saying that they added an entire bathroom to the house.  If so, it is very hard to miss an apprasial report that says you have 3 bathrooms if you only have 2. 

But as to a couple of your other comments..

We CAN afford to pay a mortgage, we are just trying to make our payment smaller.

- Okay EVERYONE can afford A mortgage.  The key is to find that amount. 

We had excellent credit until they started messing with it.

-  It is not their fault that you lost your job.  It is not their fault that you are struggling making the payments.  Yes it sucks, but when you got the mortgage the deal was that you would make the payments as agreed.  As sad as you may think it is, owning a home is not a right.  But as I said before, if there was some fraud in the initial apprasial that would have changed things you need to really investigate that to see if you have any remedies.