The homeowner is requesting assistance from the mortgage company - Bank of America. The homeowner fell behind due to a loss of income when she lost her job. She struggled to keep up the payments but became delinquent. She tried to get assistance from Bank of America, but was unsuccessful. Her income has now improved and she desperately wants to keep her home. She contacted a HUD approved housing counseling agency for assistance. The agency reviewed her finances, the Request for Modification Assistance ( RMA ) application and other supporting documentation before sending the package to BOA. The homeowner was denied a modification and the reason given was " we service your loan on behalf of an investor that has not given us the contractual authority to modify your loan. '' The investor XXXX. In trying to reach XXXX, she was told they do not instruct lenders on modifications and the decision is completely up to the lender. An appeal was made to BOA and another RMA application was submitted. However, the response has been the same. 
