Dave Mason's Q&A

Lock it now and make sure to ask for a lock confirmation sheet....

A loan modification is based on risk of foreclosure not because you want a lower payment unfortunately.

Yes...

Just tell them to stop...

fair loan would be an oxy moron like jumbo shrimp...

They do have a loan modification department.  Just call and ask for the loss mitigation department.

Any collections will affect your credit score.  It's just depends on your credit history how much.

Depends on what rates have done since you have locked.  You can extend it however...

Getting the lender to agree to less than what is owed is a short sale.

There is no such thing as a no cost refi...