Beccal,
You all really need to get a grip! Educate yourself on NACA and have some trust, or try to get a restructure on your own and see what you get!
Also, I believe you have a Ginnie Mae loan, which is FHA , NACA (Bruce Marks namely) has stated that they were met with resistence to restructuring these loans as well as VA loans. Hopefully, they can work out something with the govt. soon on these loans. Until then, try to compose yourself and keep the faith!
https://www.naca.com/index_main.jsp# watch new video at top of page and this video at bottom of page for info on govt. backed loans.
Watch this video at bottom on NACA's website
Thousands Line Up for NACA Save the Dream Event in Columbia, SC 3/14/09