Rather than searching through hundreds of posts, I'd just like to ask the question again: what is the current approximate length of time that Chase is taking to do a modification? They've been stringing me along for over two months, just with document submission (lost docs, etc., etc.). I went through this with them in 2010, was offered a forbearance agreement after (only) three months of the application date, since I was current on my FHA mortgage. I turned that down and just continued making the normal payments. This time, I thought perhaps they would be more streamlined in the process, but of course I was so wrong. Would contacting a HUD counselor really help?