Karen.....
Welcome to the forum and thanks so much for joining......you should keep trying to fax your info to the following fax numbers, if you can't get through, place a call to them and verify the fax number (please post any changed numbers)
Jeanne Drake
phone 949-784-6011
fax 866-642-4196
Jim Davis
phone 904-996-9696
fax 904-996-9653
You do need to show some type of small surplus at the end of the month to prove that you can afford to stay in your home.....however, some investors have approved a mod with a deficit, so it depends on the investor.....but in most cases they require a surplus of $100-$250 per month.
Good luck, God bless and please post any other questions you may have.
