Need help here. I'm a single mother with 1 child, going through a modification with SPS. I have been working with them for a couple months. 1st they requested me to file for divorce or remove my ex from the title. I went the easy way out and removed him from the title, the divorce is going to take some time. I make 4600.00 a month clean with child support. My mortgage currently is 2400.00. I don't have debt. They informed me that I didn't qualify with the money I made. They suggested a short sale. I don't understand how $4600 isn't enough? Or what am I doing wrong? I'm smart, I have a good job, I know how to budget and thats why I have no debt. If I knew I couldn't afford this home I wouldn't be trying to modify if. I applied under HAMP. I'm currently working with a lawyer, they said they would appeal the case but I'm still very worried. I don't want to lose my home. Please help any suggestions would be greatly appreciated.