The FHA HAMP program is NOT designed to help individuals who supposedly qualify for it. I was declined for the program initially because I was said to be "current" on my mortgage and to qualify you would have to be 60 days delinquent. Since, I fix the 31% pre-qualifying process, I was told by NACA per the Servicer(BOA) to skip my July and August payment then start paying my trial payment in September for 3 consecutive months on the 1st day of every month. In November, I was notified per my call to BOA that I was declined on all... read full review »