Quote:
Originally Posted by beelzebub  Hi,
I can only comment on the Home Affordable Modification program. According to the govt website makinghomeaffordable.gov the government sponsored plan is available only to those who are current on their payment. It sounds like you've missed some payments already? I think that disqualifies you for the government plan. I suggest you go to that website and look over the requirements. (Pretty simple). I suppose a bank is free to do whatever they want to work out a solution with a borrower.
Good luck,
-BLZB
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You don't need to be current to be modified under a MHA modification. You need to be current to take advantage of the refinance portion that is under the plan. Modification is for those at risk of foreclosure, including behind in payments.