I e-mail our six month profit and loss and a list of everything 30 days past due. I've hear a number of people talk about having "surplus" when you work out a budget. Is that surplus based on a budget showing the loan modified? I currently have a surplus, however it isn't enough to catch up on the past due property taxes. I am hoping they will be able to modify the loan, bring all taxes current, and reducing the payments a little...
I feel a lot better having a little help...thanks for the referral
