vaca005, thank you for your reply to my hardship letter, I truly appreciate your feed back. In reading your example letter in reply to mine, I'm confused. From reading your example letter, if I am not mistaken, I have two loans in one that I need to pay back? "
Due to our balance increasing drastically we could only get an ARM loan in which we are in now. We have a 2nd with Chase also at a high interest rate." It's true that we refinanced and all of that but we thought when you refinance the previous loan is paid in full and you start all over again with a new mortgage. I can't tell you how ignorant I am to all of this. I should have done my homework. Also thank you for the website. I had already gone into the Chase website to get the info for the modification and I have contacted a rep from Chase. We have an appointment with them. This is why we needed the hardship letter. Is one of the items they requested on their list. Well, I just hope everything works out. I'm not feeling very good about this situation we are in. Thanks again. 