Did they qualify you before they saw your documents? or did you have to send your income info etc.
From
https://www.efanniemae.com/sf/guides.../2009/0905.pdf page 20
The trial payment period is three months long for mortgage loans where the
payment is already in default and four months long for mortgage loans where the servicer has
determined that a borrower’s payment default is imminent but no default has occurred.