Hi TABEES,
CW is going to be looking at the H4H program in April/09, the H4H program is an FHA refinance................so it isn't a modification but rather a new FHA loan............what you would need to do, since you have a second lien on the property, is to see if the investor on your second lien is willing to release the lien and extinguish the loan...........if
CW is also servicing that one, then you can ask them.