the first gave me 5% for the life of the laon. they also converted it from 30 years to 40 years. standard P&I loan. i have it in writing. it did NOT go to recourse.
the second, USAA, has said that nothign is in writing. it is not a refi, it is not a modification. they just temporarily change the rate as a courtesy due to my recent financial hardship.
