[tandknix]

The payment as it is now is within that 34%. When the taxes and insurance are added in its borderline. The problem is, when we started this process my husband was still working and earning the income we gave them. Now he makes about $150 less per week.

We just want breathing room.

I talked to the National people and they said this paperwork IS from them. That's why it references the Fannie Mae program.

So now I am calling the Home Retention team back to see if they have anything further for NACA....meanwhile...I talked to Shantay in the Home Retention Depart and she said an approval was mailed out on December 3.

I asked her if she was sure it was for NACA and she said yes. The date on our National letter is dated December 4. She said it could take up to 2 weeks to get the letter so I am now calling NACA to see if they have heard anything...