Believe it or not it says "Our records indicate that you may be eligible for a loan modification which could include a rate reduction and loan amount reduction on your existing home.This is not an offer for refinancing..."
It is from the Loan Modification Department @ Countrywide.
I am in San Diego, CA. I'm calling tomorrow to find out. At least I know what to expect this time,,,,and what to do...document, document, document
