ARM
My submission was online and my couseling appointment was over the phone. make sure you take 2 months of paystubs, bank statements, your mortgage statement, tax and insurance info as well as a list of your other monthly obligations with you. If I could have done anything different would have been started the process earlier, when I first lost my job, instead of contacting
CW first. Also come up with a back up plan in case naca can't help you. Me and tandknix, where both trying to work with
CW for a modification as well as naca so we had backup plans. Good Luck!