Hi katie,
Welcome to the forum and thank you for joining................
If this is the only property you own................you wouldn't have to pay a dime to have help with a modification and your shouldn't pay those modification companies to do what NACA does for free..............you can go through NACA instead.............they are a non profit, HUD approved counseling agency that has been around for over 20 years.............and they will work closely with the investor and
CW to structure an affordable modification proposal......they will work with you to put this together..........and their Home Save modificaton services are free..........so you won't be out any of your hard earned money for giving them a try....
click on the link for the info...............
https://www.naca.com/refinance/refinanceTenStep.jsp