i have been at this since October, 2010 and I have finally arrived at success!!
I have permanent loan that went from 6.25 to 3.85 for life of loan - 23 years.
Monthly payment is $625 less.
They will forgive 23,000 every yr for the first three years of my principle balance.
For the next five years, 1,000 will be taken off my principle as long as I am in good standing.
I keep pinching myself that this has finally happened!
I could not have done this without first getting a Rest Report so I had all my info. Also, Michael from Loan Mod Center was so informative and a big help through all of this.
Anyone that needs help should contact Michael.
Also, going through this with everyone else was really great and I appreciate it!