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1. Have started out your mortgage before January 1, 2009.
2. Have to get the owner or perhaps an occupant in a single as much as four properties, but only the 1st mortgage can be applied for your home modification.
3. Have unpaid balance that is comparable to or less than $729,750 for a single family and one unit property.
4. Having problems in purchasing mortgages on account of low family income or even the quantity of mortgage increased.
5. Have monthly payment that includes insurance, taxes and homeowners association dues ought to be greater than 31% of your gross monthly earnings.
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