only
cw can tell you if your loan qualifies, I think 1 of the problems is you have to be 60 days in default to qualify regardless of loan type. when I called them in september no help, went to naca, called them in november I was angry that there was still no update (naca was waiting on
cw to review proposal)
CW told me I qualified for the 12/1 thing (120 days behind and subprime fixed) had me send in paystubs and still I wait for their response, thank god for naca! who got their proposal approved, new low rate for the life of the loan. If you are now 60 days or more behind i would call them again and keep calling till you get answers, or you can try naca
https://www.naca.com/refinance/refin....jsp?menu=refi