[alikeith]

Yeah well you almost have to go above the home retention reps in some situations. I woudls ask your negotiator to speak with her manager and have her review it.

Under MHA, they do put you into 3 months of trial payments to see if you can pay the payment. You should get some type of paperwork on that though, its not verbal. i woudl call back and ask for this.

My situation for example. I was told i would need to pay $2500.00 up front in order to show my commitement to getting a mod. That just happens to be my past due payment btw.

It ended up beign that my negotiator brought it to upper managements attention to review. I was put in touch with VP Of Home retention. She is very nice. She is telling me not to worry about any up front funds. She also is ordering a BPO to get another value done on my condo. I am not passing the NPV test to get a MHA mod. I personally think they have a hig valuation on my property. We are going to see what that puts me at. Need to wait up to two weeks though possibly. Worse case scenerio she said is they take late payments onto my loan, and my paymetn icrease a tad bit. She knows that i really want the MHA mod, but if you are failing the NPV test, they dont have to give it to you. My loan is backed by Bank Of New York.

I know its frustaring and stressful. you have to play hardball though. Dont give up.