*Your loan was originated before January 1, 2009
*The total loan amount must be under $729,750.00
*You can prove your income
*Your home must be your primary residence
*Your monthly payment needs to be at least 31% of your monthly gross income
* You may have a second mortgage included
*You need to be facing a financial hardship such job loss or medical problems
*There are no costs to qualify for a modification
*You do not have to currently be delinquent to qualify and apply for this plan