[tweedle]

Update, got an Indymac loan mod pkg in the mail same day got 2 denial letters.
Called and the rep said the denials were for another loan mod but the pkg was still offered. However I should send a check for the amount of new payment which is 250 less a month with a reduced rate at aprox 5%. Only drawback is that they are offering this as a possibility and they can keep my payment and still deny it. Another clinker - My single income is not enough and using my boyfriends income (gross household income allowed) may put us over. They are not doing any principal reductions, zero. they are tacking on the payments unpaid to the balance of the loan. Pays off in 30 years. Does not include taxes or insurance. Still trying to decide if I want to give it a shot. Oh and they also want proof of lease and 3 mos deposited rent shown on bank statements.