Hi Mary,
Welcome to the forum and thank you for joining.............
If the modification is not going to help you in any way..........and you accept it you may not be able to apply for a mod for 12 months..........if this is the only property you own.............you may want to try going through NACA instead for a fixed low rate modification to see if they can help.
click on the link for the info...............
https://www.naca.com/refinance/refinanceTenStep.jsp