[dhn121]

I'm sorry to hear that.

when I was calling the general number I was getting the run around and different information too. See if you can find a retention department. It's kind of dumb but I finally called their modification department to request for a modification (knowing I won't qualify). They told exactly that, I don't qualify for the modification but was then given the retention department number to do a refi.

I live in CA and owe about $290k on the home and the house is now worth $292k. purchased at $400k at the height of the market it was worth $600k

HTH