A loan mod proposal, which they would not give us while we were current.
We haven't talked to them in 4 months and out of the blue the Fed ex package arrives.
*Waive all delinquent interest
*Waive all outstanding fees
*Permanently reduce your interest rate
*7.9% to 5% (20)
Unbelievable that they wouldn't do this until we were 4 months late.
If you don't understand already, you have to stop paying your mortgage if you want a modification, period.