Has anyone gotten a successful loan mod with BOFA or any bnak without going delinquent on the mortgage? I have been told countless times that the bank has no reason to give me a mod without us missing payments. I am not delinquent and applied for a mod over a year. They have sent me a letter that said I am denied, but then told me that was a mistake because of misplaced documents. Do I keep my hopes up or move on to other options?