[nativelasvegan]

Wow. Tough one. Since a loan mod is not a "sure thing", it would be scary if he quit and the mod did not happen. I do not like to be negative, but all the facts need to be considered. Pro - if your income was lower, the mod would be based on the 31%. Con - if you do not have income to pay for bills, you will suffer. These are sure tough times. I like to get things out of my head. Seems to lower my stress level. I take out paper and write "pro" on one side "con" on the other and start my list. See which side I should take.
I took moved to this area for better public schools. I looked in the Cedar Park area when we first arrived. Loved it. It sure is a pretty place.
Never been happier to get out of Vegas. I was born there (native) and spend decades there. It was a good place for me to grow up in the 70s. Not so much for my son to grow up there now. I couldn't let my son play alone out in the front yard due to the high crime. I am sure you know all about that.
My loan is owned by fannie mae. I sure have done a lot of research on this issue. If there is anything I can do to help you, please know I am here.