Hi filangie,
Welcome to the forum and thank you for joining...............
You can try going through a non profit instead such as NACA....it is free........... and this way you won't have to deal with
CW........NACA will go over your financials with you and if you meet their criteria they will put together a modification proposal and negotiate it with
CW and your investor.........
click on the link for the info..........
https://www.naca.com/refinance/refinanceTenStep.jsp