[Komaraconsulting]

Thats the reason why your payments are going up is to collect the negative escrow and any costs that occured while foreclosure proceedings were taking place. On a payment plan, you resubmit financials during the middle of the second month as an update to the lender on your financial situation. If you are showing that great of a surplus then its very hard to negoiate with the bank because you are looking pretty comfortable on paper. The only thing I could suggest is if your paid hourly at your 2nd job. This way you can work less hours for a month and that would show 2 pay stubs of less income that shows a smaller surplus which would give you a better chance of the bank meeting your need to lower the monthly payment. The bank is looking at your case and is more concerned with just bringing it current because your financial situation shows that you can keep up with the payments.