[gray517]

Dthom, just as a thought, you could put those payments in the bank, till you do become 60 days past due to see if you qualify for any of the programs, as it seems you have to be past due at least that much to qualify for any type of help. if you are still unable to get help, you could then make your payments, but they will show a 60 day late on your credit though. the whole system is overwelming, if you are not behind no help, if you are behind do to job loss, then they tell you not enough income, the stories on here are mind boggling. someone needs to step up and pass some type of legislation to make this process easier for homeowners, so they don't get screwed again by the very process thats trying to help them. we are patiently (not really) waiting for 12/1 as we were told we qualified for who knows what and we submitted to naca for help in september no word on that either. crossing my fingers, saying my prayers. good luck to you