In sept 2008i talked to my mortgage company at the time countrywide, about a special forberance due to hurricane gustav. I had never been late on my mortgage so they gave me a three month forberance .My arm was going to adjust and i knew i would not to be able to afford the 500.00 a month increase on my note, my husband is in the construction business and things had really slowed down, we tried to refiance with countrywide but needed 30, 0000 . So in Dec, countrywide fedex's a 10year interest only modification i did not like it but we... read full review »