update: I just got an email from NACA saying congrats the mod came back approved with a 4.5% interest rate. This is wonderful news for me! They told me originally they were trying for 5.6%, so how i got 4.5% I don't know or care. I can finally sleep at night. NACA said that I should be getting paper work in about two weeks. I am so happy! Thank you sooo much loansafe, you have been very helpful. Now I am starting on my second mortgage that is through Green Tree and Bank of America as the invester. Just sent paperwork yesterday.
