[LHarveyMadman]

ncadena222, the MHA plan is too new know the answer to your question. The 3 month trial period is a new feature that is mandated by the government plan. Those of us who received modifications before this plan went into effect did not have any trial period to fulfill.

The MHA plan only went into effect 2 months ago. Anyone who received a modification from B of A under the new plan has not yet fulfilled the 3 month trial period. But if it is really an MHA modification, then there should be no reason why your modification would be denied, as long as you make your trial payments on time and as long as you didn't commit fraud (e.g. claimed that your investment property was your principal residence) when you applied.