Question regarding step modifications - HELP!

[Questions]

Hi all. For those of you who have received step modifications where they start at a certain amount and go up after 5 years or something similar, is the amount that you are scheduled to pay for the first 5 years, 31% of your income or does your initial payment start lower than 31% of your income? Just trying to figure out my chances of trying to negotiate a step where I start lower than 31% of my income and then after the final step, have my payment for the remainder of the loan be at 31% of my income.

Thanks for any help you all can offer!!!