[Calli09]

Update: Called the 800 number in the Fedex pkg today to discuss it. I spoke to a very nice person that explained they just found out yesterday the 3 pmts should read 4/20, 6/1, and 7/1, she said just cross out what was there, and put this, and initial it. Which leaves me not owing the 2nd trial pmt till June, which actually makes more sense! She also confirmed that the late charges are not to be added to this pkg.

After the 3rd pmt, within 2 weeks, I should receive my new modification terms. She said it is possible that they will be anywhere all the way down to 2% for a five year term. (Wow, that would be great). She also mentioned that they will be reporting me late on CB during the trial period.

I am going to try to have faith that this will turn out good in 3 months, and will be a decent loan mod for me. I am turning in the papers and moving on, with the hope of a great mod in the works!! Keep your fingers crossed!