With a standard modification, all that they do is put your past due back in to the loan, which increases the amount of your loan with
CW. This in turn will increase you payment. If you are not past due, or your received some sort of interest rate reduction but your taxes and insurance were not escrowed before and they added an escrow account, this could also raise your monthly payment.
Sometimes this is the only mod you qualify for, sometimes not. I only qualified for a standard modification with
CW, and my payment went up about $90 immediately because of the past due. That worked for our family, because we could afford our payment all along, just had a temporary set-back that caused us to get behind.