Okay, long story short, after trying to qualify for the HAMP program for over a year and being denied 3 times by Ocwen (twice they had incorrect income information and the third time they did not give a reason for the denial) I asked for an application for an in house modification. I received the application about a month ago and filled it out and faxed in all the appropriate documents. I called 5 days later to make sure it had been received and that it was complete. I was assured that they had received it and did not need any additional documents and that it was under review. When I called today--about 30 days later, I was told that we had been denied for the HAMP program. I told them that I knew that, but I had submitted an application for an in house modification. I was told that they had received "something" from me on November 2nd, but that they do not offer in house modifications.
What the heck was I applying for then? What should be my next step? I'm so frustrated I could cry!