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The amount of times you apply doesn't mean anything to the underwriter of the modification. He/She is looking for three things:

1) That you cannot pay your mortgage at the current rate according to your financial review

2) That you WOULD BE ABLE to pay ALL expenses if your mortgage payment was modified.

3) The reason you can no longer afford the house is due to an economic hardship (you've had a cut in pay, unemployed, etc)

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14y ago

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