[snapple candy]

kd,
Yes you have to apply separately. It is a different department that handles 2nd liens/equity lines. It is much like a line of credit. I know with Chase, I send the exact same application and documentation for the MHA program to Loss Mitigation. I was just instructed to only change the account numbers on it. I would call the customer service number on your statement and inquire from their how to apply. I just asked for a fax number to fax it to, and then called weekly to inquire as to the status. Surprisingly it didnt take long...unlike the almost 1 year to get the 1st handled.