[gray517]

naca helps you obtain an affordable payment, based on your income and expenses. we got a rate reduction to fixed 6% for the life of the loan, thier homesave program works to restructure your existing mortgage if you can't afford the payment. as far as i have seen and my dealings with them they are not trying to get reduction of principal, I don't think any lenders are offering principal reductions, and most people in america that have a mortgage right now either have no equity or are upside in what they owe, everyone has lost value on their property