I think the HAMP program is very misleading to the consumer, after applying for this program a year later I was informed that i don't qualify. The information that is now available on saxon mortgage's site concerning the NPV which determines if your income meets the criteria was not available a year ago and now that my income has decreased even more i no longer can qualify thisprogram . I now have to meet monthly payments that i cannot presently afford because if i qualified it would have lowered my monthly payments by $500.00. I want to continue to live in my home, my spouse's work status is subject to change shortly but that may not make a difference at this point...