My mortgage was first with Countrywide closed in May 2007. Bought with 0 down and at 7.375% on a 30 yr fixed.
Since then Countrywide went to Bank of America, now it got sold off to a company called Green Tree Servicing.
I called them and asked and they said to do the research on my own and see if I qualify for something then call them back... I'm pretty busy and am looking for more guidance than that. Any ideas where to start?