tony.t,
Welcome to the forum and thank you for joining..............
Any modification that is done is going to be up to the investor on your loan...........you would need to contact
CW and ask what the options are.........modifications are given in hardship situations.........so they will want to look at financials...........in order to look at a workout.
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
CW Home Retention
1-800-669-0102