I thought about this one when I went to bed last night. If I passed the online practice means test because I have nothing left after my obligations should I have held off trying for a home loan modification? I am in the process of attempting one on my first mortgage and was conditionally approved for one on my second. However, with my second the new payments are only good for 1 year and then it goes back to my regular monthly payment. Right now it is 710.00 and will drop by 50% for the year. Please advice! Thanks!
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