I have two properties -- my primary and an investment property -- I did a HARP refinance in October of 2010, on both of these loans, when my husband and I had further hardship, we stopped making payments in April 2011 (made 5 payments on each under the new loan). I was given a Fannie Mae Loan Modification on my investment property (Non Hamp). But, I've been denied a loan modification for both HAMP and Non Hamp on my primary residence -- reason stated: Loan origination date was after Jan. 1, 2009. I keep asking Bank of America why my other investment property loan went thru with the same origination date -- no one can answer my questions. I'm trying to get answers from Bank of America with no luck. Anyone have any ideas on this??