ngilles38, you can read my thread about
CW at:
http://www.loansafe.org/forum/countr...roperties.html
As far as the budget list goes, they take that information from you over the phone. From that, they determine whether or not you are recommended for a loan mod. Instead of calling the regular
CW Home Retention phone number, try calling the
CW Customer Solutions phone number directly: (888) 556-2778. You will save a lot of time bypassing the screeners in India! Cusotmer Solutions is the area that took my financials over the phone and gave me a recommendation to modify or a denial right then and there. Be sure to have your budget worksheet right in front of you because any miscalculations might ruin your chances.
Best of luck to you!!!