Denied for a HAMP by Ocwen....My loan was through Homecomings, but has switched to Ocwen. We applied for a HAMP because we are falling behind on mortgage payments and students loans are now due to be repaid. In addition, my hours were severely cut at work. We were denied a HAMP modification because it seems that Ocwen only services our loan, they do not own it. Apparently US Bank National Association owns our mortgage, and they do not participate in the HAMP program. We have looked into refinancing, because our interest rate is truly horrendous, but we have a bankruptcy on our record. Does any one have any suggestions on a path we can take?November 04 2013 - South Whitehall Township00YesReport 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.