[karenlehman]

Sword, I would call Hope again and talk to someone, tell them that you want to get a modification. Don't let them tell you to wait, the lady I spoke with was super, she took all the info from me, said she works with AHMSI and has seen some good results. She took down the income/expense and saw that we were about $400 short each month and she was working with that; I told her if I had a surplus I would not need my payments lowered. We even let our credit card bill go into collections so we could make our house payment, credit is shot but it is more important to keep the house. I would call Hope Now again and try talkign with someone, no one even mentioned waiting, they were ready to help. Karen