It has been quite some time since I have been here but obviously we are still struggling to make our mortgage payment. We recently applied for HAMP and was denied due we were already on a HAMP program a couple years ago, yet when you go to the HUD site as of June 1st there are new guidelines which would allow us to apply again yet we are being told by GMAC no because of some BS with having to fall off the treasury something or other.... so we had to resubmit docs to be reviewed for traditional mod, our income has changed in that my husband's income has become quite reduced so the application will be based on my income which is steady for almost 8 years. We only have 9 years left on a 15 year mortgage so I know for a fact if they extend the term the payment can be reduced, it's a Freddie Mac loan. So here I get on this site and go back to a post I made where I state our loan was modified when we never even sent in the paperwork, so would they modify the terms of the loan without us signing anything? With all the stress now I am second guessing myself if loan docs were signed and sent back?? If they did modify with no agreement from us does that mean we really did not get a HAMP and just a inside mod from GMAC?