Hi txnlady,
Welcome to the forum and thank you for joining..............
Begin by putting together a hardship letter........
These are what most lenders consider to be generally acceptable hardships....
1. Loss of job or reduction in income
2. Death of the homeowner, spouse or family member
3. Illness of homeowner or family member
4. Divorce or separation
5. Forced job relocation by employer
6. Adjustable rate reset-payment shock
The best way to set up a hardship letter..........
* First, describe the hardship and the circumstances that caused it
* Explain what steps have been taken to correct the situation
* Provide the lender with your plan to get back on track and stay there
* Assure the lender that you are a responsible homeowner who just needs a second chance and that you are very motivated to save your home.
Then you would need to contact
CW's Home Retention Dept. to begin the process of a modification...............
CW Home Retention
1-800-669-0102
If you feel that you may need some help going through the process and this is the only property that you own.............you can try going through the non profit HUD counseling agency NACA and see if they can help........
here is the link for the info..............
https://www.naca.com/refinance/refinanceTenStep.jsp