Hi ARMtoreset,
Welcome to the forum and thank you for joining................
You may not qualify for the new home retention program due to that fact............but you may qualify for a regular modification........
the modifications given are up to the investors on the loans.........so you would need to find out what options the investor on your loan would have...........
CW also works along with NACA..........if you need some help in dealing with
CW you may want to try with NACA to get that help......they will negotiate on your behalf with
CW.
click on the link for more info..............
NACA