Thanks *** and heehooo22! I spoke to them yesterday and the rep told me"she thought i might not qualify because i wasn't in a Fannie Mae or Freddie Mac loan!" So i told her that on the guidelines On the web page for the Home Affordability program it says nothing about having to be on a Fannie Mae or Freddie Mac loan to qualify for the Modification program!Ans she was like...."well i still don't have all the guidelines in front of me" so i said "well which ones do you have? and she said"well actually none"

then she shouldn't be opening her mouth!