I personally spoke to Michael Elachkar who said I qualified for a loan mod. I asked what if the bank says I dontqualify will rightaway refund my money. Yes indeed. We wouldnt waste timewith all this prep if you didnt qualify. I worked with Danya Romero DanyaRomero to make sure everything was done correctly. First Horizon said there is noqualification. When I emailed Michael he said to please phone him because heknew exactly what I should say to my bank. I havent been able to get throughor get an answer from him or right away since. This cost $595.