[Calli09]

Update: Great news! Today I received a Fedex pkg with the Making Home Affordable papers. They have it calculated at 31%, First pmt due April 20, then May1, then June 1. It states there are no fees involved. Says the pmt is estimated, but should be close to what the actual pmt will be, once the 3 mo trial period is over. It also goes on to mention the Obama incentive due me, $83.33 per month towards the principle. That is if I am on time and not be 90 days delinquent. On or after the 1st thru 5th anniversary date that the modification goes into effect, the $ is applied.

What I thought was funny, I also today received an automated msg on my ans machine, asking me to call this 800 number at chase, to verify I have received my Fed ex papers. They do seem to rush the matter.

I believe this is the best I probably could get, but my only apprehension is that a few months back my escrow was miscalculated, and I owed some extra. They tacked it onto my current pmt. I am afraid that they will not reduce the pmt back down once that "underage" is made up. I will be calling the 800 number in the morning, and "try" to discuss this with them. Overall, I don't think I could ask for anything more. I just have to fill out all the papers, send pay stubs, tax form, etc, same as everyone else has said. I hope this is a good outcome, after the 3 mos are up, as I think I will take it! I have to say, after not getting a call and then for the papers to be here today, I am stunned. I hope things have started to move in the right direction on this forum. Good Karma to all!