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Old 02-03-2009, 09:57 AM   #16 (permalink)
heehoo22
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Re: CW Modification in Phase 2 Stage BONY Investor

The 12/1 program is good because it's based off of your gross income soley. It's goal is to get you to a 34% Payment to Gross income ratio.. this could mean a rate reduction even if your surplus says you don't need one. It will also bring you current.
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