We bought our house back in 1988 and took a loan from FMHA, they then sold our loan down the line to USDA. We are fighting with them. They told us if we refinance the house we have to buy at today’s value, and not what we bought it at. That is a predatory loan. We do not agree and need major repairs done and will not do them because of them. They have done this too so many people and everybody has walked away from their homes and bought another under a bank. We have had this house for over 20 years and put money into it. We need help please.