Good Morning Rjatl,
I would suggest starting the NACA process
immediately. There is nothing wrong with having a "Plan B". Personally, I believe that
CW/BOA will not offer you anything better than what the NACA will be able to accomplish for you. They have helped many of us here. Take the time to read some of the success stories listed on the home page of the forum. The NACA was able to reduce my monthly payment by over $900.00. My loan is now fixed at 2% (for the life of the loan). That is amazing! As you browse the forum, you will see how fantastic this organization is. The process is long because they are so overwhelmed right now, but the wait is worth it. Please give it a try. Again, the members here are very supportive and well informed on the process, so we can help you if you have any questions.
