Countrywide has told us also we don't qualify for any programs. Although we are still arguing that point with them. HOPE showed a -$100.00 each month with current payment. Said we did qualify for a modification from the 12/01 program(have fixed sub prime) At one time we were told to keep paying our mortgage and try to refi in a year. That we should have regained the $35000 in value we have lost in the past year. No one at Countrywide seems to know what the new program is, who it is supposed to help etc. Fact sheet lists, sub prime ARMs, Pay Option Arms and Sub Prime fixed rate mtgs. I even read it to them right from their website. I was just told to "watch my mail closely" after 12/01 for a letter from
CW. That is how I will know if our mortgage is qualified for help. Some training huh?