[ama125]

Here's how it is supposed to work...once you make 2 trial payments, they should draft up the paperwork for the permanent mod. If you get denied for MHA, they do have their own modification programs that they could try and get you into. There is also NACA and they have been able to help some people get mods even if the person has been denied numerous times trying to do it on their own. There are always options.