I did a ton of research when first considering a loan mod with Saxon, and also while waiting for an answer. I know there are plenty of people's experiences that have been unfavorable with Saxon, but, for those who are seeking a loan mod with Saxon, i just wanted to be able to share my unexpected success, and let you know that i am an actual individual home owner of a rental property that obtained a loan modification. I get to keep my home, the Tenants are able to stay put, and Saxon has a willingly paying consumer of a mortgage note without adding another REO to their books. The way i've always looked at it, is, here you have a willingly paying consumer that needs just a little bit of help to continue to be able to pay their mortgage, and i certainly got more help than i expected to. My brother has a mortgage with Saxon, but unfortunately was not able to obtain a modification, so...there are still those experiences too.
Saxon is a dirty crowed and so are the people that deal with them. MANY complaints with the FTC and attorney generals in many states. nearly every Judge that is brought in to any fight with Saxon rules in favor of the homeowner.
Hire a personally injury attorney or anyt other attorney and litigate. Lots of people are finding themselves owning their after the Saxon is found guilty.
I would suggest contacting Saxon again. There is no sure thing and you may have to look at other option to resolve the deliquency.