I am very curious to see if it works for you....but for what it's worth, I don't trust anything phone reps at
CW/BofA say. I also spoke to people who sounded like they knew what they were talking about in the many months of phone calls and faxing paperwork to
CW! I even got 3 ridiculous loan mods fedexed to me in one week from
CW......
I went with NACA and 54 days later, I now have the modification approval at 2% for life of the loan...no trial payments or any of that BS....
So be very wary!!!