Hi Hoping4change,
Your very smart sometimes these lenders will offer what seems to be a "
modification" but its not really helping the homeowner with their financial situation. Once paperwork is signed they will not let you reapply for another modification for 12 months from when you signed the docs. Also if you have someone assigned to your case at BofA I would continue to follow up with that person at least once a week. Stay strong and would love to hear how your case turns out