chase bank offered me a loan modification after prequalifing me . after a year of sumitting and resumitteing form they said it was finally completed. my mortage went from 864.00 to 965.oo. the program offered by obama is called making my home affordable. i was divorce, invovled in a modification scam through another company, has a family member who has medical issues and i myself did for about 6 months. they have now resovled. read full review »