Most mortgage servicers have in-house modification programs you can apply for. However, unlike HAMP, the criteria to be eligible for the in-house programs usually is not publicly available and varies widely among different mortgage servicers. It can be impossible to tell ahead of time whether a borrower meets the initial loan modification criteria.
While the eligibility criteria can differ widely from HAMP, the process of applying and being considered for the modification is still very similar. The Consumer Financial Protection Bureau established rules for the modification process. For instance, a mortgage servicer cannot file a foreclosure until the borrower is 120 days past due to give the borrower time to apply for a loan modification before the foreclosure is filed. 12 C.F.R. 1024.41(f). Once a "complete" loan modification application is submitted, the servicer is generally prohibited from foreclosing until a decision has been made on the loan modification. However, the servicer gets to decide what is considered "complete." And a servicer can still foreclose if the loan modification application was submitted less than 37 days before a previously scheduled foreclosure sale.