You neeed to check banks to find out who the investors are. There are lenders that do not do modifications but they may do repays or something else. Is the lender a bigger lender or a smaller lender. We the new government program there are incentives for doing loss mit options. The bank may look at their options differently now. You always can contact the hope program and see if they can help or maybe someone in your area that helps with people in default. The Hope number is 888-995-hope

Good luck!

They may not all be with the same investor. You will need to investigage all the mortgages individually.