[azdmsmith]

I hope it's not just hype because they were my back up plan if I can't get anywhere with Chase on my own. I've read in this forum that many people have been sucessful with NACA, it may be that NACA is now overwhelmed as well. While I'm happy for the people who have applied in the last month or two and got a trial mod relatively quickly, it sure seems like there is no ryhme or reason to who gets help and how long it takes. I'm trying to remain grateful that I'm somewhere in between the people who are able to get a trial mod right away and those who have been trying a year and longer or even the fact that were it not for the HAMP a mod might not even be available to assist me, but I also know how easy it is to let this whole process get you down.