patnj
while going thru the mod process,
cw ususally puts any payments you pay into what is called a suspense account until the mod is done, if you log into the
cw website, on the left click on account information then transaction history and your payment if processed should show there as a balance with ( ) around it. We got our mod using naca, the process is slow (
cw's fault) but less stresful, but they base the proposal on an affordability budget of what you can acutally afford for a mortgage payment and their mods are fixed for the life of the loan and are principal and interest.