[khelp]

When I had talked to Aurora Loan Services and asked their loan specialist if I could get my two mortgages (the first is through Aurora and my second through Bank of America) combined through modification, the specialist said to request this in my hardship letter. I had also spoke to a friend of mine who is a mortgage broker and he said that this is possible because he has personally seen this happen recently. My friend is the one who when I asked if he thinks I can refi and he said no due to my loan to value ratio, he recommended that I try with a loan modification. He is also the one who told me to ask Aurora if they would be willing to do this.

Well working in the real estate industry myself I know that until it is in writing it does not mean anything but after speaking to Aurora Loan Services I thought that I might request this in the letter per their instructions (the loan specialist). What is your recommendation? Should I leave this out of my letter or leave it in (or can it hurt my chances of a loan modification)?