Thanks Moe! We'll see it helps. Still looking for answers on the unemployment thing. Received the following email from suport at hmpadmin.com, now I just have to get SunTrust on board.
This came from management:
If the servicer makes a reasonable determination based on documented evidence that the borrower is eligible to file an extension for unemployment benefits - and the extension would extend to or beyond nine months - the borrower is considered eligible as long as all other eligibility criteria is met.