[jmayflower55]

Thank you both for your kind response. Yes I do keep detailed notes on each call and to whom I spoke about what and when. I printed out from th "Making Home Affordable" website supplemental directive 09-01. This is the program outline which is meant for Loan servicers not borrowers. I did however use their guidelines to asess the probability that we may be offered modification. The only thing I had a problem applying was the NET PRESENT VALUE TEST, the results of which provide the loan servicer with a positive or negative that gives the lender/investor disgression as to whether modification will be offered on severely delinquent loans. If I knew how to apply this NPV TEST to our property and loan it might reveal our chances for a modification offer. Can anyone explain the NET PRESENT VALUE TEST? Thank you again. Jan