hello all...i received a letter from my mortgage company with a "loan modification agreement". the stated that i can pay $2222 every month until my principle and interest are paid in full. my mortgage is currently $2093 and is set to adjust in a few months to $2600 then six months after that to $2900. i knew this was coming and have been preparing for that. my question is...is this for real? are there any catches? im too anxious to wait til tomorrow to call the mortgage company. i would love if this is really true. i was told since they're already prepared to fix my monthly payment, that i could probably talk the amount down some since the economy is bad. i make my payments every month...i've had a couple of late fees, but never a 30 day+ kinda late. please explain, help, something!!! thanks ahead of time.