Thanks Dan and Heehoo. Dan-when I call back how do I reach someone that can answer the question. I've got a choice between a processor who seems to be doing 1000 things at once and is missing large details on my current loan mod-so he is not a viable source of info. The processor who told me that
CW wouldn't be able to do anything seems to be the most credible since she speaks directly to the lenders-she doesn't speak to
CW though. Then I have the mortage investigator who wants to sign me up at all costs. You can see why it is a little confusing-not sure who to ask. I don't expect them to make me a promise of what they can do, not at all-just want the best and worst case so I can decide whether to try to come up with $2995.00 to let them have a go at it. Hopefully this makes sense. I will definitely update the thread for this problem so others can benefit from the honest info. I appreciate your response.