The making home affordable plan has a target payment of 31% of gross income, but Naca has an affordability equation (thier system) which takes other things into account to figure your payment instead of a certain percentage of your income. There have been many Naca success stories on this forum, including ours. You have to be very proactive and keep calling everyone and anyone to get anywhere in this nightmare. I would get the process going with Naca asap their services are free. Regardless of the direction you take be prepared for a long fight since regardless of how you go about it getting any type of help from
CW/BOA takes awhile. Good Luck!