On a modification they will usually have you wait 12 months before you are able to apply again..............however, if this is your principle owner occupied residence and you do not own any other properties...........you may want to try NACA and see if they can put together a modification proposal with you to present to your investor through
CW.
click on the link for the info..............
https://www.naca.com/refinance/refinanceTenStep.jsp