We are now trying to modify our loan, my husband is self employed and we are not making hardly any money at this time, Countrywide is giving us the same run around as I have seen other people go through. I sent our paperwork in 9/8/08 right now my husband is on the phone with
CW and they are requesting that we send our info over again, which is actually ok with me because right now we are putting less money in the bank. Anyway they are now talking about locking in our rate at 5% so we will see. I am not real optimistic about the process. I will keep you posted, thanks loansafe for being here to provide me with this info.