在做Loan modification。有类似经验的弟兄姐妹希望能分享，帮忙指教一下。 或有豪
客英侠，同人高士点拨奥妙当然更是求之不得。 先此谢过。
已经提交过hardship和finanial sheet。当初被现在的lender(成交后不久builder卖了
合同给）告知奥氏新政规定月贷超过总毛收入31%的若符合一定条件或有finanial
hardship可参与FHA提供的较为优惠的Loan modification program. 现在收到的
package 只是 workout plan，要求同意签字寄回agreement，付四个月tiral period
payments后决定Loan modification与否和相应条款。
1. 来信首页清楚地提到 "there is no fee for this program"但是在“Frequently
asked questions"中来了这么一段：What if my trial period payment is less than
the payment I currently owe on my loan? A:
