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Marian Arceneaux wrote:

Will BofA (and CitiMortgage) begin Loan Mod discussions with us while we are still current...

Answer
You do not have to be late on your mortgage to eligible for a loan modification program. You may very weel want to visit this site: http://makinghomeaffordable.govYou must have a hardship that can potentially cause you to be late in the near futureYour home must be your primary residence that you currently occupyYou have acquired your mortgage prior to January 1, 2009Your mortgage can not exceed $729,750Your housing expense must exceed 31% of your gross income
November 24 2009
(1)

Will BofA (and CitiMortgage) begin Loan Mod discussions with us while we are still current...

Answer
Generally, most lenders will start dialogue with homeowners if they can answer, "yes" to the following questions even though they are not delinquent on the mortgage: 
November 23 2009
(0)