Follow Mr Mennen's lead on this one - check with your lender and see what needs to be done, that is going to be your best course of action. Also, ask about other programs out there that you might be able to use. Indiana Housing is something to look into and Regions has some solid programs as well. like their Affordable 100. Call around, see what programs each lender offers (they do not all have the same programs), see which one best applies to you, and then see what you need to do to qualify for it.