I've been unemployed for about 6months and have run out of resources to pay my mortgage. Then on NPR there was a story on July 7,2011 about 12 month deferments for people unemployed and who where up to date with there payments, But I can not find any info on this program. My bank is Chase and when I've called I have received many different answers but none about the deferment program. Does anybody know anything about these deferments. I do not wish to refinance or do a modification. My loan is a FHA loan. Thanks for the help LB.