Hi renee16,
Welcome to the forum and thank you for joining...............
If this is the only property that you own, you may want to try going through NACA instead for some help in dealing with
CW...........they are a HUD approved counseling agency and the services for their Home Save modification are free, they have been able to help many members with affordable modifications..........they will work with the investor on your loan through the Advocacy Team on a low, fixed rate modification........here is the link for the info.............
https://www.naca.com/refinance/refinanceTenStep.jsp