Jennifer,
It may not have been the news you were hoping for but if you can live with it for now at least it is not so bad so far.........
And then in 90 days Modification...........YAY.........
Keep us posted on how that all goes......k.......
and we will be here for you........
and of course you know the deal.........don't let up on the modification process.....as Poppy says........call,call,call, and fax, fax, fax, because they will miss you......