[kcchica]

Oh and thanks for the link, that makes me feel more comforable about hte 4 month forebearance. They are cutting our payments in half for this period... with of course the full "default" amount due at the end if we end up not qualifiying (which hopefully doesn't occur), otherwise the "default" amount is rolled into the new modified loan. Basically we were told we had to be in "default" to modify and this was the way to do it.