I have a loan mod with bank America/ XXXX they allowed me a trial period and said that they would lower interest rate to market rate..I completed trial period ... they offered me a rate of 6.1 percent. I do n't even know, from the agreement, if that rate is fixed or what. They gave me until the XXXX of XXXX to accept this deal, or possibly NO DEAL ...?? I NEED a market rate, that will make it affordable. Thanks 
