Hi jojolala,
Welcome to the forum and thank you for joining...................
Have you been told by
CW that FannieMae is your investor? If they are, the early workout program part of the modification has not been circulated and they have been still concentrating on the loans that are 90+ days in default. What members have been doing for help with
CW is to go through NACA instead..........if you only own the one owner occupied principle residence and you meet the criteria they should be able to put together a lower fixed rate modification proposal to present to your investor through
CW.
click on the link for the info........
https://www.naca.com/refinance/refinanceTenStep.jsp