Chase denied my loan modI have trried to refi the the making housing affordable program, and for some reason FFannie Mae denied it. I applied for the loan mod with Chase and they denied it because our income exceeds the minimum. We are current, our ltv is 103%, and the loan is backed by Fannie Mae. I thought these were the stipulations to modify. I didnt know income was a factor. I called Chase to let them know I cannont make this months mortgage payment and they told me they cannot modify it until we are 2 months behind.....Does this make sense? Is there any guarentee they will modify our loan if I get behind? It makes us very nervous but it seems you can only get help if youre in default? We do not want to lose our home to foreclosure.August 15 2009 - Salem00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.