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Hello, today I read from an attorney's webpage the following: if your loan modification was denied, then you should appeal the loan servicer's decision to review the monthly income that was submitted to the lender to determine affordability.
The Loan Modification process is a delicate situation you are in as a homeowner. Do not lie about your income to the lender or about the assets you have in your bank accounts. And, if you are a homeowner and went through a difficult medical condition, a divorce, or the death of a spouse, chances are that if you are completely honest with your mortgage servicer about what caused your financial hardship, they will work with you to make some type of financial rearrangement so you can keep your most valuable asset, your home and to reinstate a mortgage payment arrangement.