I'm busting at the seams here with joy! My cousin who is with Aurora has been reading on this webstie with her son and following the process that my husband and I just went through with Citi (successfully) along with the information I relayed to her from Cat about H4H. My cousin just got the phone calls from both Aurora and the H4H agent and they ARE co-operating! Hers is a predatory loan in EVERY sence of the word from the get go and beyond! This saves her home for the four generations that live there. Blessings times four! Unemployment has been the biggest thing causing these circumstances. HOORAY! Keep knocking at your doors! Success can happen!