I got denied 3 times by B of A as they claimmed that I never sent them the paperwork when I actually did. It took 9 months and the help of an HUD agent (I recommend them they are free) to finally get the Home Made Affordable mod approved. It was a constant fight, I had to prove them wrong; saved all paperwork received and submitted and certified all of my mail. Even when I got the HMA modification letter, the bank would still call and send letters saying that I will get foreclosed in ___ days if I didn't pay x amount in ___days. I blew up and told them "How dare you send me a letter telling me you are taking my home away, when in my hand I have a letter saying I got approved for a mod? This is not right, you can't play with peoples life like this" their reply was "The HMA department does not update us immediately on the status of your applic, therefore our records show that you are not current, blah blah." My anxiety level during that time was insane, I didn't know whether they modification was actually true or not because they kepted harassing me. I couldn't believe how unorganized and how much of a bullies these banks are. My advise is to speak to a HUD agent or go through NACA, they offer same day modifications if you visit their Save the Dream tour (check site below to see if they are visiting your city.) I know ppl who have gotten their loan modification resolved through NACA, my advise is to go the first day of the tour to get a number. When they call you to return, return but expect to wait around for 24 hours (if you ask me, it's worth it!)
TO find a HUD office in your area:
FOr help from NACA (check out their site the stories make me teary):
I would recommend you talk to the free HUD agent before you starting this applic: http://www.makinghomeaffordable.gov/pages/default.aspx
Good luck I will pray for you!