She said she did an 80/20 loan which I believe means she has one loan for 80% and another for 20% and put nothing down. I know little about loan terminology as I’m an old-school fool who only knows 20% down payment with a 30-year fixed.
She said it was the “countrywide office” that she called, perhaps you’re right it was just the loan servicer. Maybe we have a bear (pig) as an insider!!!