Dear Armen; The lender has ask for a request from us as to what we are seeking. She said that someone , by phone, requested that they add the delinquent payments to the end of the loan. She (Amy) ask me for an email, so their "modification manager" could have a guide-line. I would be worried that three months may not be enough and we might be right back to a delinquent status in no time. We should discuss a response. We are meeting next Wednesday with Russ Charvonia, I'm sure we can wait til then.. Gary Holme