One thing I recommend is checking out this site
Loan Modification Help because they do this report that will qualify you with up to 40 different banks or something and also offer free loan modification assistance. Its cheap i think its like less than $40 bucks and you pay a monthly fee of like 30 dollars to update the report anytime and make sure you get the best loan! they qualify you based on the application you fill out so it checks out your situation..i got this and it helped me..hope that helps!