Here's the latest...our SS was submitted to SunTrust on 08/13/09 and it was assigned to a negotiator on 10/16/09. We spoke with her 1x on 10/23 and she was real nasty, saying that we had never been late or missed any payments, so why were we submitting SS pkg and that we were wasting her time. Our realtor and us could not get a hold of her after that, even though we were calling constantly. Then a friend gave me an e-mail address for Steve Entwistle (VP of Loss Mitigation Dept) and I e-mailed him on Friday, 12/11/09 and he responded to me the next day, and it was on a SATURDAY!!! He stated that he was forwarding our issue ASAP to his management team and guess what??? The negotiator called our realtor on Monday, 12/14/09 and she told us that the investor of our loan would not pay any closing costs (about $6,000) and she wanted to know if we or the buyer could pay any of the closing costs? Unfortunately, we don't have any $ for the closing but the buyers are trying to borrow $ for it, as they can repay the $ when they get the first time homebuyer's credit. Should we assume that this means that SunTrust is going to approve our SS, if we are able to resolve closing issue? My realtor thinks that they are going to approve it or otherwise they wouldn't be worrying about closing issue. Remember, we never missed any payments and we were never late, but I have a serious medical condition and I probably will have to quit my job and starting next month we will no longer be able to make the mortgage payments.