You may qualify for a Mortgage Loan Modification if:

• You own and occupy your home as your primary residence.
• You are either current, at risk of imminent default, or behind in your mortgage payments, or are in foreclosure or bankruptcy.
• The unpaid principal balance of the first mortgage on your primary residence is $729,750 or less (loan limits are higher on owner-occupied multi-unit properties).
• You have verifiable source(s) of income to put towards a mortgage payment each month, even if that income has recently been reduced.
• You can provide copies of your most recent tax returns and will sign an affidavit of financial hardship.
• You have not previously modified your mortgage under the MHA program.
• Note: Mortgages on second homes, vacant homes and investment properties are not eligible for modification under this program.
• http://ratenerd.com/30-year-mortgages-around-525-do-you-qualify-for-a-mortgage-loan-modification-1317