Negotiating with your lender

This article is from the New York Times:

"There are several prerequisites to consider if you’re a borrower who is paying on time and wants some kind of a break. The home in question must be your primary residence. And the banks generally need to have your mortgage on their books and not have sold it off to Fannie Mae or Freddie Mac or someone else."

You can read the full article here: http://www.nytimes.com/2008/11/12/business/yourmoney/12money.html?partner=rss&emc=rss&pagewanted=all