Join Date: Nov 2008
Location: Santa Fe
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Well I don't have much advice, but I was one of the people that got a home loan mod fairly easily. (Took LOTS of time and patience though.)
Make copies of everything they send you before you send things back, and aside from that I'm pretty sure they can't foreclose on you while you're making your trial payments, but I don't know how behind you are right now so it's hard to say. We weren't behind on payments when we started our process.
*And my credit is perfect. The mortgage company shouldn't be reporting you as delinquent if THEY'VE approved you into a modification. Ours didn't affect our credit at all.