golfnmommy, I feel you pain. I called
CW and they denied me a loan modification and they said that they didn't know whether I could qualify for the Obama program because they didn't have the criteria requirements ready yet. I would truly benefit from this program if they would get rid of my 2nd (HELOC with another lender) since I only refinanced it to get it fixed for a longer period of time.
From the NACA meeting I went to, sometimes even though 2nd is with the same lender, they won't be able to negotiate because it is with a different investor then your 1st.
Like *** mentioned and from what I got from the
CW phone rep, call back in April to check to see if we qualify for their Obama inspired program.