Hi Looking4Help,
Welcome to the forum and thank you for joining................
You are in the starting phase of a very difficult fight...........
What
CW is doing when modifying loans is freezing rates at anywhere from 5-7%............however, they are fully amortizing the payments to include Principle, Interest, Taxes, and Insurance.........
Is this something that you will be able to do moving forward?
For the modification with the Household Income versus the Household Expenses you need to show a surplus of around $100-$250 when all is said and done..............