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Originally Posted by heehoo22  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. |
If countrywide told me my investor does not do modifications (which I can't believe!) would the 12/1 program be able to supercede the investor or is NACA still my best bet?