I have a client who worked out their 1st mortgage loan with Amtrust. After months of no success, Amtrust mailed out modification papers prior to 1st of July modifying loan. Rate was effectively lowered to 2% for 5 years. I am trying to find out if it was done in accordance with Making Home Affordable program which automatically qualifies the 2nd for modification. Pmt was lowered by $1,500 per month for 36 months.