I don't think anyone really knows whether it is okay to make payments during
modification process or not. You can only do what is best for your situation. I will tell you that in my case, we did not make payments to
CW for 12 months. The last six months we were in review for modification. They did not move further to foreclose....some reps said they still could while in review, others said they would not.
I will tell you that they do not apply your payments directly to your mortgage while in review for a
modification. They place them in a partial account and hold them there until a decision is reached.
Best of luck to you.
Kate