[ILResident]

It sounds like you are right about it not being a HomeSavers Forbearance Plan but rather a program designed for those who are not in default. In the correspondance I received it specifically states that "I qualify for the Fannie Mae HomeSaver Forbearance program". The program you described makes a lot of sense for someone like yourself, as you get temporary relief from a full mortgage payment while a modification is being worked on. I've been told that the trial payment amount probably won't differ much than what the modified payment will be so I'm hoping thats true.