I agree with FLgata...we used NACA also. If you haven't contacted them yet I would STRONGLY encourage you to do so. We also got a band aid mod from
CW that we almost signed because we panicked. NACA worked with us and
CW to get us a 5.25% Fixed rate for the life of our loan. Our previous rate was 10.45% ARM. NACA will take your current income and determine what you can afford based on that. They DO NOT use your credit or anything else to determine what they think you "deserve". PLEASE call them
