You will get a run around like you won't believe. Most lender's customer service departments won't even talk to you unless you're past due on your payments. Then when you are past due you'll talk with collectors who don't have any authority except to say "NO" to everything you ask for. You need someone who understands how these departments operate and who can get into the department and talk with the decision makers. I have some experience in this area since I ran a mortgage servicing and asset recovery department for a bank in the Midwest and I was the final decision maker for loss mitigation issues. Please contact me if you haven't gotten results yet.