We are also FannieMae and I'm super worried ours will be declined. Our income is low and our debt is high. We were denied by our 2nd for a 'good' mod, they could only offer us a 'streamline' mod (meaning - they don't consider your income - just drop payment out of the kindness of their hearts LOL). I'm super worried our NACA/
CW mod will be denied for lack of sufficient income.