i am wishing you luck with the mortgage company. they resist virtually all efforts to work with them at first...it takes them forever to make any headway from the standard. i eventually got them to do loan modifications on our house knocking almost 2% off of the apr without Refinancing...somethign at the begining they has said countless times they would not do. scores of letters and phone calls to anyone who would listen is what paid off...it took almost a year, but it was finally done.
