I don't know if this has been done before, and I hope the PTB don't mind my starting this.
I'd just like to do a poll on how long your modification took in underwriting, especially at Chase.
Mine has been in UW for one month. I was told it would take 15 to 20 days (I know they lie). Now they keep telling me "You should hear something by the end of next week." Obviously a canned response. Why do I even bother to call them?
I hope I get a good sampling on the timeline; I realize that most who have already been successful aren't on this forum anymore.
Please, also, someone tell me what to expect when I go two payments behind. I'm scared silly because I just couldn't handle the stress that this can cause if it gets out of control!