Loan Modification with Homecomings

I have a fixed loan with Homecomings at 11% I tried for a modification and after four months, they sent me a modification that had a $5500 good faith payment and a mortgage payment that is higher. That is not a modification. I have been told by others in your industry that based on todays situation, i can get down into the 6.5 to 7% range. I have b

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