Ok I have a typical sub-prime loan,
80/20 interest only 10y arm no PMI. The first mortgage is thru Everhome in trial period now, second with SPS.. fixed principle/interest 30y at 12.25 <350.00> new mod for the next 27y at 8.75 <263.00>
It took about 2 months and I just sent in my regular payments while waiting.
Hope this helps or eases your mind a bit.