I have almost the same story as the first commentor. My wife and I both lost jobs, went through savings and retirement accounts and then thought we would realize some assistance with the HAMP program. We qualified for the program based on HAMP guidelines but have been delayed and stonewalled by National City Mortgage/PNC for 16 months. I was told first that I made too much money (a result of an 'unreasonable' calculation of my commission income) and then was told I don't make enough for a modification despite having the same job with the same pay scale. Lenders have used stall tactics and ambiguities in the program to deny homeowners access to the program. There has been no shortage of homeowners in distress, yet only 4% of HARP/HAMP budget has been used. WE (distressed homeowners) MUST BE 'TOO SMALL TO SUCCEED!'

My family is one of those who held just great hope for the HAMP, only to be facing foreclosure and the loss of our home after over two years of effort to keep our home. I lost my job with a technology startup in '08 and we were financially on the edge at that time with a young family and our home heavily leveraged. We contacted our bank right away and tried to work with them only to have them avoid us and delay any action. In '09 they moved to foreclose and we asked our representative for help. The bank finally gave us a forbearance. I found a job that pays 25% less than what I had been earning and the bank gave us a loan modification that would work for us -- lower interest, lower monthly payment, though they tacked $40K onto the mortgage. Then, they delayed over a year, ultimately didn't approve the modification, demanded $50K in back payment, started to move to foreclose again. We live in constant panic and tension. Our credit rating is destroyed, the entire family is stressed and shows clear signs of anxiety and depression. We have asked for help again from our representative and live in fear of loosing our home with no end to this horror in sight.