http://www.washingtonwatch.com/bills info@washingtonwatch.com http://www.pjdoland.com/chai/?v=0.1 http://www.washingtonwatch.com/bills/show/110_SN_2801.html#46737 I went to http://www.loanmodassistant.com It was $199 and guaranteed. The government says that make sure you get a guarantee! I was with U.S. Bank on my 1st and 2nd mortgage. went from a 12.75 on 1st and 13 on 2nd to 6.% on both loans. I saved $812 each month. I hope this helps someone.... 46737@http://www.washingtonwatch.com Fri, 21 Nov 2008 01:46:41 EST