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Hello,I am glad Evan helped you on your journey. He is out until later this afternoon, but I have alerted him to this thread. So, he will respond when he comes back.However, I will give you my thoughts. I think most all loan modification are in house, but some were done in conjunction with HAMP. Apparently, they will not go by HAMP guides etc., I think that is good and many people have gone this route as well with PNC.In regards to NACA, I really think that since you have a nice contact and appear to be making steps forward, that it is not necessary to receive help from a secondary source. If things get difficult or you hit a brick wall, then you may have to. Keep in mind, that no one is going to fight like you and follow up.I wish you luck!