Hi JD,
Welcome to the forum and thank you for joining..................
The modifications given are up to the investors on the loans and in a hardship situation..............so you will need to put together a hardship letter........this link has examples and what the lender looks at for a hardship.........
Examples of a Hardship Letter
Who is the servicer on the loan?
What is your interest rate at?
What is the loan amount?
At the closing you will only get copies of most papers without signatures.........there are a couple such as the HUD1 and Buyer's Settlement Statement which you sign in triplicate so you should have originals of those. You would have also signed at closing another copy of the application that had the income and debt information on it......doing the QWR is a good thing as it will give you the copies of your loan file to look over and see what you signed at closing.
The three day right of rescission is given on a refinance not a purchase so if this was a purchase, you would not have that document.