I wanted to try and offer some HOPE to those of you that have been declined the HAMP, as I was after 4 payments. However, Nationstar Mortgage DID provide and IN-HOUSE Mod with same type terms. They are 2% years 1-5 and go up 1% each year after with a final cap @ 5%, they also refinanced my escrow shortage into 5 year payout. I went thru hell just about every week with all their BS but could not give up. Im sure their are people out their that got better mods, but I am VERY HAPPY with what they did do, kept the payment in my budget. I truly HOPE all of you have the success you need on your loan mod. GOOD LUCK to ALL, and just keep trying, hopefully your day will come soon!