I am contacting the CFPB for assistance as I am afraid I am being pushed to accept a trial payment under the FHA HAMP program that is higher than it should be under the guidelines issued. I have attached the detailed FHA HAMP trial agreement to this complaint as well. The trial payment was calculated to be {$2500.00}. Within the same agreement, the letter states my income was calculated to be {$6800.00}. This would leave my housing ratio at 37.68 %. According to the HUD guidelines, this modification program is designing to lower the mortgage payment to 31 % of the monthly gross income. If the payment was calculated to be 31 % of my income, the monthly payment would have been closer to {$2100.00}. According to the HUD underwriting guidelines, the payment should have been calculated as less. The unpaid principal balance on this loan is {$340000.00} plus arrears owed $ XXXX {$400000.00} - 30 % allowable deferment = {$280000.00} over 30 years at 2 % = {$1000.00} + escrows {$1000.00} = {$2100.00}. So my income of {$6700.00} x 31 % = {$2100.00} is just enough to qualify. When we questioned this with the bank, we were told this can be calculated up to 38 % for this program but I do not see those guidelines listed anywhere for FHA HAMP as all that is stated for the target payment is the 31 % and not 38 % for the proposed payment. 
Although I am grateful to have the opportunity to keep my home, this difference in payment would be almost {$450.00} less a month and so much more affordable. My main concern is not to be so tight in making the payments that only XXXX unexpected expense could put me delinquent again and that is very scary. I want to ensure I am never in default again. 
