We applied for a hamp modification and were turned down because we were late < 30 days. My husband became very ill and we were paying july's payment at the end of july instead of in the beginning!! They supposedly gave us a "private modification" which all they did was put the 1 payment we were late on the end of our loan, and lowered our interest rate from 9.4% to 6% for 4 years, but our payment remained the same!! Great deal!!!!! You would think we were the type of people they should be helping with income and not being behind too many payments.