Did not meet requirements for HAMP and was told I could be offered an in house modification as long as I made a payment by today - which would make me 90 days past due. The man told me the payment was needed in order to keep my account in his department while he requests ecsrow anaylsis, etc. I am a little leary about this because I feel like they are just trying to see how much more money they can get out of me before they do my loan mod. Will I not be offered the same in house mod if I am 90 days late? All questions they can not answer.