Thank you to everyone on this forum and especially to NACA. I stopped paying my mortgage in March and started working with NACA in April. Yesterday I received a permanent modification offer from HSBC that was better than anything I could have ever hoped for. If it wasn't for this forum I would never have found the resources and knowledge that I needed to end this nightmare. After being told countless times by HSBC that they would never offer a permanent mod NACA made it happen. You are the best !! I encourage others to seek the help of NACA. God bless you all.