K.i.s.s.

Listen to Rick. Either call the 1st td lender and say (in your most mellow tone) " hi, I'm with the 2nd lender, we had to foreclose, now we own this dog gone house. We need to get current with you (mr. 1st lender), please fax us the reinstatement figures."

Or, if you don't think you can pull that off, hire a servicing company as Ward and Rick have suggested to take care of the dialog on your behalf.

Why trouble yourself with a.i c wrap (all inclusive crap wrap). Find a real buyer with decent Ficos and a real job and dump this pig. Rates r at 4 percent. Who gives a darn about the 3 percent first as it relates to all inclusive wrap crap?

If you like complicated things, my wife is a hot blond and can be yours......"