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President Barack Obama announced the HAMP program in February 2009, wellinto the financial crisis. Prior to that, lenders and mortgage servicers werealready doing modifications so it's natural there are more of those. Many HAMPapplicants also are still working through the slow, cumbersome process.

Servicers participating in HAMP must first consider homeowners for loan aidunder that program. If that doesn't work for customers, servicers can considerthem for their own programs.

Goyda said Wells is doing alternative modifications for about 60 percent ofcustomers who reach HAMP's trial phase but don't ultimately qualify. About 10percent find other solutions, and the balance are probably headed for foreclosure.

Of HAMP, he said: "It's only one part of our overall efforts to help customers findaffordability."

Consumer advocates, while sharply critical of mortgage servicers for poormodification service, generally endorse HAMP's intent and its standardizedapproach.

"It's a useful template," said Julia Gordon, senior policy counsel with the Centerfor Responsible Lending in Washington. "It's by no means some kind of goldstandard."

For example, a recent HAMP change eliminates unemployment benefits as aqualifying source of income for modifications.

"That's just crazy," she said.

Gordon cautiously welcomes alternative plans because they can potentially helpmore people. She's concerned homeowners won't have a consistent way to knowwhat's available and how to qualify. She and others have seen instances wherepayments are actually higher under non-HAMP plans not a workable solutionfor a struggling borrower.

She also frets about the lack of federal oversight for in-house plans. The U.S.Treasury oversees HAMP, but has been criticized for not penalizing servicers formistakes.

Gordon urges people to review any modification offer carefully. What's the newpayment? Has the principal been reduced if the loan balance exceeds the value ofthe house? How long does the modification last?

"It is conceivable you could have a proprietary product that's better," she said.

Under HAMP, the government pays servicers and homeowners for successful

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modifications. For homeowners who make all their payments on time, that canamount to $5,000 paid toward their loans.

Those incentives aren't available under alternative plans.

Al Ripley, with the nonprofit N.C. Justice Center, has been critical of HAMP'scumbersome nature. He's also concerned about the lack of consistency andtransparency in alternative plans. He says all servicers should be required todisclose their guidelines and processes for all modifications.

"It would be very helpful for homeowners to have more predictability whenapplying for a modification," Ripley said.

Allison Rinehart's budget was tight in late 2004 when she paid about $136,000 forher Charlotte townhome.

She put $4,000 down on the home and took a 30-year mortgage at nearly 9percent. Her monthly payments were $1,111. Rinehart and her daughter, Sydnea,now 15, got by on the roughly $30,000 a year Rinehart made as a longtime, self-employed hairdresser and middle-school coach.

Last spring, she noticed business dropping off more sharply as her clientelestruggled in the downturn. In July, she asked for a modification from SelectPortfolio Servicing, the Utah firm handling her mortgage. She received anunusually speedy offer of a trial plan, which is supposed to last three months.

Rinehart was told to make the first payment on Sept. 1 at her original amount.Subsequent trial payments were cut to $685. She made those payments throughMarch, when she received a letter saying she was denied a HAMP modification.Soon after, she contacted McClatchy Newspapers.

"This has caused me sleepless nights, depression and anxiety," said Rinehart,who also works in her church's office and has been a nanny. "My 15-year-olddoesn't know whether or not she will have her home the next day or not becauseof this."

SPS offered another trial, with monthly payments at an even lower $456. Rinehartstarted the payments in April but worried it was a delaying tactic and she'd bedenied again. Meanwhile, she received notices from SPS saying that to keep herhouse she had to repay the thousands of dollars that hadn't been paid during thetrials.

"It really scared me," she said. And angered her. If she had the money, shewouldn't have asked for help.

"It was a slap in the face."

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In May, McClatchy Newspapers began contacting SPS, asking about Rinehart'scase. After several weeks of messages and e-mails, the company said it wouldsend Rinehart a response.

In that letter, SPS said Rinehart didn't qualify for HAMP because she failed tosend documents by a certain date. Rinehart said that's not true, that she hascopies and certified mail receipts proving she sent everything requested, on time.

The May 27 letter, which Rinehart provided the newspaper, confirmed Rinehartmade the first two trial payments. The letter said once she made the thirdpayment, due last week, "SPS will complete the modification process and you willreceive the final modification agreement which requires your signature.

"Once this is received, SPS will permanently modify the terms of your note andbring your account current."

Her June payment cleared her bank shortly after the 1st of the month. On June 10,she arrived home to find the promised paperwork. She believes that happenedonly because she went public.

Last week, she was reviewing the papers and reflecting on what sustained her.

"I relied on my faith."

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