Hi whowhatwhere,
Welcome to the forum and thank you for joining............
If this is the only property that you own..........you may want to try going through NACA instead........they are a HUD approved non profit counseling agency and their Home Save modification services are free..........they will work with the investor on your loan through
CW..........click here for the info..........
https://www.naca.com/refinance/refinanceTenStep.jsp