Hi David,
Welcome to the forum and thank you for joining.............
The modifications given are up to the investors on the loans and with the type of loan that you have, your investor may be FannieMae or FreddieMac..........there modification program is currently looking at the loans that are 90+ days in default.............if this is the only property that you own...............you may want to look into getting help from NACA instead, they are a HUD approved counseling agency............they will put together a modification proposal based on an affordability equation to present to the investor through
CW and their services for the Home Save modification program are free............
here is the link for the info............
https://www.naca.com/refinance/refinanceTenStep.jsp