Teresa...
In my opinion, I'd HOLD OFF going too far with NationStar right now. After all their talk about "let's get you out of that bad ARM with Countrywide and get you into something you can afford"... NationStar came back with an incredibly high "predatory" type interest rate combined with very, very expensive closing costs.
I'm extremely disappointed in them, but will give them another chance to do the right thing.
I'd hate to think that instead of "running scared" right now, mortgage companies are actually ratcheting up their rates and bending people over a barrel just because they can. But after talking with NationStar today, I'm starting to suspect that's what's going on.
For right now, I'd be very careful about going too far with them. I sure hated to bring this bad news because I thought I'd truly found a decent group of folks to work with at NationStar. I'll know for sure over the next 24 hours.