[chooch]

Traci, this is just my opinion from my experience with Countrywide. I have an 80-20 also; Countrywide being the 1st with a conventional loan. Countrywide would not give me the time of day until I was 90 days delinquent. Their agents are morons, and they have a very high turn over rate. You will rarely deal with the same person. Other lenders are much easier to deal with then Countrywide, even now that they are owned by BofA. I was lied to over and over again by their Home Retention Dept. When they do your income vs. debt disclosure, they skew the #'s at the same time they explain that what they are doing is beneficial to you. In reality, it was not until I retained the law firm that I was explained the proper way to document my income and debts. This law firm specializes in litigating with Countrywide. If they come through for me, I will immediately post it. I am not advocating the law firm I went with, but it appears that lenders seem to listen to lawyers better then consumers. Even if the law firm is unable to get me a good deal, they will still buy me more time in my house, and the 3k I paid is tax deductible according to our accountant. Since you are self employed, it might be worth talking to a lawyer now.