Hello Mr. Madman

I checked with my negotiator based on what you and Daniel said. She said this is a principal and interest payment- not just interest. She also said I should be recieving the documents soon and she hopes they arrive by the time I meet with the attorney on 12/30.
So, shouldnt the payment with the interest change each year be based on what the principal balance is before the new interest rate starts?
I am so ignorant with this stuff and I thank all of you in advance for the explainations!
Lisa