I was really getting worried about no call from bank this week...well I got a call today and found out the underwriter who had the file had an extreme family emergency.  I pray that God will be with her and her family for what ever the emergency is.

We did a conference call with the new underwriter and got some things clarified verbally on the call but I got a list for both me and my co signer of documents he needs to work with the file. He also said that he will be using my co signer's information and income because he is on the loan.  After that statement.... even with the specialist stating that he is one of thier best underwriters and prolly the best to work on my file......I don't feel overly comforted.

HE said it is a fresh start for the file with him and needs the additional information and clarifications to be able to see about the best modification possible for me.