i have waited 9 months for a MHAP mod trial, finally i talked to the person who was in charge of my loan and she said that she had done all af the calculations, and then someone else came behind her and redone her calculations, saying that i only get 15.00 reduction on my loan.Iam om disability with a medicial hardship and a decrease in my income. In fact this was the second person that my loan mod was transferred to what is going on with getting help when you have a hardship that was out of your hands. I pay more than half of my income for mortgage, and is struggling with my medicines and other house hold bills. read full review »