I posted a few days ago about our paperwork getting ready to go to the QC dept. I would guess that when I call them in a few weeks, they will say it got kicked back to some other dept. because they need updated bank statements and pay check stubs. Once we send those in and it goes to the UW, it will sit there for a while until more documents are needed then the process starts all over again. Since we've been at this for almost 20 months, how long can we stay here? I have to face the fact we will probablly end up moving, but we don't have the money to do so in the next few months. I just have a feeling that if we do get approved for a mod, they will take the 20k we are behind in and add that to our monthly payments making them much more that the original payments.