I applied for a HAMP loan, was approved, then the company said that because my loan has the end balloon pmt. due during the trial

a loan modification is totally up to the current lender, no other lender can/will make that offer to you. Your only other option would be a regular refinance under HARP where you have to qualify for the new loan and payment, including credit history and score. The rate would likely be lower but probably not as good an overall deal as what you negotiated as a modification. There are some nonprofit agencies that might be able to help you make sure the current servicer is giving you accurate information, check this site for one in your area: http://www.nfcc.org/FirstStep/firststep_03.cfm

All approvals are up to the current lender (investor). The balloon payment sounds more like just their excuse not to give you the Modification. Try threatening them with just walking away from the home as you know for a fact that the balloon payment doesn't have anything to do with them approving the modification or not. The more they think you are just going to walk away and foreclose then sometimes they are willing to take another look at it. Just keep enforcing that you really don't want to and would really like to stay in the home and continue making payments but they are pushing you into a corner.

There are some additional resources that you can go to for this HAMP process. The difficult thing about HAMP is that it is a federal program underwritten by your lender. So a majority of the time your lender has to underwrite with guidelines that they are not familiar with. They must check with the program guideline and it may take a long time to get any answers because of this daisy chain. Please check out this resource and call the non profit affiliate hotline for expert advise. I have spoken to them myself numerous times and they are very helpful. http://www.makinghomeaffordable.gov/ Good luck and God Bless you.... Kevin Prince SVP Liberty One AMC 858-926-8904 kprince@liberty1amc.com... If this info has been helpful, I would appreciate an endorsement on www.lender411.com.