[annejojo]

Thanks for the info. Right now I'm going to concentrate on the modification so I can save my home. I cross my fingers for the mod. After that, I will see if I can assume the loan or look into other options. Worst case, I will have to live with his name on the loan which is ok since we are in good terms. I will definitely do the necessary paperwork to make sure it is all documented and he cannot claim any interest.