[hwood]

Did you try to get the loan modification yourself? While it's possible, it's not necessarily the smartest move...kind of like representing yourself in court. You might want to consider contacting a loan modification company. Loan mod companies are knowledgeable about the legal technicalities of the loan documents. They also have connections with loss mitigation departments and working with a loan mod company the lender that you're serious about saving your home. They are really helpful when I talked to them. My lender was Countrywide and they worked with them and now I pay almost $1000 less a month. Their number is 1-877-968-5337. The consultation is free so it's worth giving it a shot.