I used up my savings to keep paying my mortgage during the pandemic. I scraped and made it through 2020 and 2021. My loan servicer is SPS and I'm in CA. Has anybody here ever had any luck with SPS? The only thing they did for me was give me 3 months without payments in 2020....the missed amount added to the end of my loan. I then drained my savings to pay monthly so I can keep my home. I haven't been able to come up with payments yet in 2022, so have missed the Jan and Feb payments and don't have it in a week to pay for March. On the SPS Website it says: We offer three types of home retention options: modification, payment deferral, and repayment plan. Anybody here know anyone who has actually been offered a modification? What is the criteria needed to qualify for one?