Well I am officially a success. The paperwork is all signed and sent. The money has exchanged hands and my account updated as of my log in this morning. The new payment is on there with the new interest rate and the payoff date of 2021.
A big thank you to all who advised and encouraged me through this very scary time. You all made it easier to cope.
For those of you still in or beginning the fight~ persistance is the only thing you need to help get you through this. I had no idea what I was doing. I took everyones advice and did exactly what they told me. When Chase said "call back in 2-3 days" I called back the next day. I kept my cool and was extra nice to them. When I was frustrated, I vented AFTER I got off the phone with them to anyone in ear shot or here if necessary.
I was very lucky. Both of my modifications were quick. Chase took a month and Litton took about two once they received the second set of paperwork. (They claimed to never have received the initial paperwork sent 5/7) My 80/20 (80 was interest only) loan that I was paying a combined $2361.84 plus taxes and insurance I pay on my own down to $1213.60 at least for 5 years and then it will go to a little over $1600. I can finally sleep peacefully and not wonder how much longer we will be able to hang on. We can now comfortably expand our family. I was too scared to have another child as I was so uncertain what the future held for us.
Keep on~keeping on! I wish all of you success in the near future. Keep reaching out to the people here and you will be fine.
A BIG thank you to Moe for creating this forum where all of us could come and educate ourselves and share our stories.
Re: In the process on my 2nd with Litton 
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