I applied for a HAMP loan modification with the help of folks at the NeighborWorks HomeOwnership Center of Central MA. The papers were all submitted 14 days prior to a scheduled auction. SLS is refusing to review my application, and insists on moving forward with the application. It was my understanding that as a HAMP servicer, SLS needed the paperwork 7 days before an auction. Our situation has improved, we have solid income, my counselor tells me that the math works, I just need SLS to review my application. 
