I have been here in this forum off and on awhile now reading others issues and asking a few questions. Cat has answered a few and is very knowledgeable and I thank her for her insight on others issues that I have read. I have been researching HARP and HAMP and was wondering, which is more beneficial opposed to the other? I am sure depends on certain issues. I have a Freddie Mac loan, which is serviced by US Bank. We have not been over 30 days late ever on our payment that we have had with them for the last 7 years. Our previous house we were in for 15 years and were never ever 30 days late there either. Excellent payment history for 22 years. My plant closed in 2008 and I was unemployed for almost 2 years until landing a secure job in Jan. of 2010. The pay is less and I had a health issue that came up when I had no health insurance and that was another costly bill that made our already tight finances even tighter. We have been paying our mortgage late, but not into the next month ever, and pay the required late fee. US Bank calls us, saying they know we are not 30 days late but have programs if we are interested. Well we are tired of juggling our money every month, barely having enough to stay afloat, and never haveing any extra money and when things need fixing or car repairs, its such a hardship to juggle the money to get things fixed. We are now starting to get to where this months payment wont be made until the first week of May making us pay 30 days late for the first time ever in 22 years of home ownership, and its obvious to us that we will only get farther behind. US Bank told us they have loan modifications, but did not offer a HAMP mod. Their website says they do have them. After reading success stories from some with US Bank, and horror stories from others about US Bank mods, I am nervous to say the least. So, if they have both mods, which is better to go with? Will they offer the one that is more beneficial to our situation? Thanks for any input.