Saxon Mortgage is owne by Morgan Stanley, They are currently under investigation for who know what because many of the Saxon notes are owned by merril lynch. You should look at saxon watch dot com. Saxon has been sued successfully soooo many times for Truth in lending issues, wrongful foreclosures, failure to perform, missapplication of fiduciary property/funds.

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 have to step in again. Saxon may not approve some modifications as other institutions. Investors not Saxon may limit the ability to modify the loan. There is lots of issues tied to the modification processes In wisconsin I assist people in default for free. I have experience in dealing with many different leaders on multifple transactions and also help companies contact mortgagors to make them aware of their options for foreclosure avoidance. Saxon is one of the companies that sends me referals through a 3rd party to assist them in contacting the borrower for potential work outs.

I would suggest contacting Saxon again. There is no sure thing and you may have to look at other option to resolve the deliquency.

Saxon seems to prefer to have their properties go into foreclosure. My client is getting a house from them for $200,000 and the mortgage was $650,000.
http://www.floridadreamloans.com
http://www.floridadreamloans.com/AreYouPre-Approved

The lender does not mean anything, you want to know who the investor is. Find out who the investor is, the lender needs tell you who it is. Ask why they would not approve, there needs to be a reason.

Keep trying, that's all you can do. Just remember that if you are 3 mos. behind, they can foreclose. You should at least get it on the market if you are that far behind.