Hi Lillian,
I have a little bit of experience with Saxon that I thought that you might be interested in. We were on a repayment plan with them for 10 months, we sent in the info for a mod after months of being told that our lender did not complete them. Well in the meantime our mortgage was brought current. So when they got to our paperwork they said that we did not qualify since we were current. (We were able to bring our mortgage current early due to a grant that we received, since this is why we were able to become current we again qualified for a loan modification.) BTW they do have a paperless fax system, when the faxes come in they go to an e-mail address. We are still waiting for our modification, they are very behind and just brought on about 20 more people to their workout department. I wish you the best of luck, nothing makes sense with this company. Just stay positive and bug the heck out of them in a nice way until you receive your modification
Tiffany