I recently applied for HAMP loan modification from IndyMac Mortage Services through their online website. It provided several examples and guided me to calculate if I'm qualified or not based on "Expense and Gross Income ratio". After readingcarefully and in detail their guidelines, I then applied. I submitted several documents and I have to take time off at least a week to prepare for these documents, write a letter and discuss the needed information from IndyMac. I submitted all conceivable document financial, incom tax... read full review »