It's been a long time since I posted on this board. I will try to keep as brief as I can but it's a long story! I have a neg-am loan with Litton. I tried for a year on my own in the hell of litton customer service with only being declined twice! Then in Jan '10 I got together with NACA and finally after just under a year of going back and forth ~ email, phone call, redundent paperwork, I received my letter stating that I qualify for a 3 month trial modification with an almost unbelievable payment! My original loan was a "pick your pymt" loan where I had a choice to pay a min of $2011, intrest only of $3600 or the P & I of $4500. We got into this loan knowing full well that it was no good, but thought we'd have it for a year or so to get on our feet then refi back into a fixed...ha ha ha, the market had other ideas! When I got this loan my house was worth $870k, today it is worth approx $485k!!!! NACA does work but if you think you are going to fill out the original submission and they will take it from there you have lost your mind. This has become my part time job. You have to be your own champion. Keep calling and emailing ...asking questions and pushing for answers! A letter was submitted to my investor (wells fargo) asking for approval of the mod terms back in June '10...they just never responded. I kept being told to keep updating my paperwork and basically sit and wait. I have to say I lost it and got the Senator's office involved as well. I emailed NACA regularly asking what was going on, but usually got the same answer. Then just before X-mas I get an email to check my NACA webfile and there it was......A trial offer. Fixed rate for the rest of my loan (25 years) 4.67% with a PITI pymt of $3103...yes, that's less than the interest only payment I had before! We will see if something happens after the trial period, but for now I pay my 1st pymt on 2/1/11 and can actually see the light at the end of the tunnel! So stick with it!