[kcchica]

They pre-qualifed us over the phone, but that was just to get the paperwork rolling. We then received a generic letter about how they know we are experience financial hardship and they want to help us avoid foreclosure, etc, etc. They sent us a financial statement worksheet to fill out, and we had to send a hardship letter (googling help for that is how I found this forum in may) and also pay stubs.

From there, my timeline applies... our first real coversation with someone was today.