[bernz]

Bernz here- well saxon mod is not going well. They locked my rate ot 9.2% for 5 years, added taxes and added 100 a month for back taxes over 3 years, payment went from 1809 (thats when i was having trouble to 2253, and i just cant swing it. I called the loss mit rep a1 month into it and let her know that this was not working and that i needed some payment relief in from of lower rate, etc, have not heard back. I called hope now and they could not understand how saxon came wup with 2253, as their proposal was 1500.. he re-did all my finances and sent another proposal to saxon, im am definately not thinking this is going to go well at all! I thought about the hope loan through FHA that is comign out, but i have a 10% second mortgage on the house used for purchase money, and that is going to block my chances for a hope loan.. I have never heard of them redoing a modification or doing a new one. So it looks like im out of options at this point