Just about anyone with a securitized mortgage that originated over the past 10 years. That is the golden era where lender’s business practices were focused on making money any way they could with no regulation.

*  The homeowner doesn’t need a hardship

*  They can be in the middle of a modification, been denied for a modification, been approved for a modification, been approved for a  trial                   modification - doesn't matter

*  Financials are not considered – remember, this is not a loan modification

*  The homeowner can be current - or late - on their mortgage

*  They can be in bankruptcy or have a history of bankruptcy

*  They can be in foreclosure

*  They can have already lost a house to foreclosure

*  They can even have multiple properties