Thanks to both of you. Yes, our prayers were truly answered. I have told so many people facing rising rates about this site and my success with my mortgage company. My Aunt found out yesterday she has been approved for a modification. She and her husband have a rate of 12.5% and it is killing them. They are also retired. They had to file a chapter 13 bankruptcy 2 years ago, so their funds are tight. I'm glad so many people are getting help, but there is still too many losing their homes.