Hi Jim,
There is a program that
CW has begun on December 1st for modifying option arm loans.........but you would need to call and see if your loan qualifies for that program.
1-800-669-6650
click on the link for the information........
Countrywide Financial - Real Estate Mortgage Lender - Home Loans - Equity Loan Mortgages
or you can also try going through NACA's program for help with
CW........
here is that link and click on the Home Save Program square for info...
www.naca.com