Tammy was approved for modification on 2nd lien. They came to us requesting help on 2nd only. The approval would require 3K down. $2,100.00 remaining past due to the back of the loan. New IR will be 10% (reduced from %11.33) for 15 yrs. New payment will be $272.48 a month for 15 years. New balance will be $25356.62

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