[walking in l.a.]

...from my mortgage company. i have a question about it? the agreement asks me to prove homeowners insurance (done), then i am to make two payments on april 14 and may 14. then on june 14, the amount called for id in the thousands (13,000). anyway, i called them and they said they would "review my financials" again then and determine if i qualify for a "fresh start" program or "loan modification."what's going on here? are they trying to get money from me, only to foreclose later?thanks.