in Michigan but a couple of years ago we went through a foreclosure in Colorado. Wish I had answers for you but all I can say is, hang in there, call and check on all programs out there. EVERYTIME you contact BOA write down who you talked to and what was said. It was a disaster when we went through this process about 8 months of hell to be honest. No one ever had a clue to what was going on! Long story short make sure you keep record of everything. We also had BOA and are now in a foreclosure review, now hoping the review will be done soon so we can move on.