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They will tell you no at first.
Here are the solutions they will pitch to you
-We will give forgive the last 3-4 months mortage at no fee and no report to the credit agency. Just simply start paying as normal next month. (this is a nice offer but dont let these fuckers trick you! It doesnt help, you can get much much more. The ball is in your hands here, they are the one at risk)
-We will give you a hardship plan that lets you pay less for 2 years till you get back on your feet. (again nice offer, but fuck you.)
Let them think you are not scared to FORCLOSE. In fact you want to forclose.
That scares the shit out of them.
JUST SAY NO TO THESE ALT OFFERS.....
TELL THEM YOU WANT A NEW FIXED LOWER RATE.. AND 40 YEARS instead of 30......
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