Hi BradA,
Welcome to the forum and thank you for joining.............
LoanSafe is a free informational do it yourself forum, we wouldn't have information regarding companies on the forum itself, we help members go through the process on their own..................a modification is something that you can achieve on your own........however,
If this is the only property that you own and you are in need of additional help................you can try going through a non profit such as NACA instead.........they are a HUD approved counseling agency and the services for their Home Save modification are free............
here is the link for the info.............
https://www.naca.com/refinance/refinanceTenStep.jsp
If you own additional properties and would need the extra help..........you may want to look into hiring law firm to help with the modification......
here is the link for that info.............
Loan Modification Service | Home Mortgage | Protect Your Home & Mortgage With Loan Safe
As for income...............if you meet the criteria for the new Home Affordable Modification program.............they would be able to use unemployment benefits..........
The borrower’s Monthly Gross Income:
is the amount before any payroll deductions includes wages and salaries, overtime pay, commissions, fees, tips, bonuses, housing allowances, other compensation for personal services, Social Security payment, including Social Security received by adults on behalf of minors or by minors intended for their own support, annuities, insurance polices, retirement funds, pensions, disability or death benefits,
unemployment benefits, rental income and other income.
Here is the link to the guidelines for the new modification program...........
http://www.treas.gov/press/releases/...guidelines.pdf 
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