How much weight does Chase put on how much cash on hand you have in determining whether to approve/deny the modification? We have over $80K in stocks and around $5K in checking/savings. If my monthly income to mtg pmt ratio is around 38-39%, would that be the determining factor or if they see we have substantial money in assets we'd get denied? Any advise would be appreciated. When we got our first loan mod a few years back, we didn't have this level of assets in stocks so wondering if having that now would hurt our chances.