Nessa, situations like yours are a relatively new phenomenon and your best answer is going to come from making a full loan application to a lender and having your situation validated by an Underwriter. I recommend that because on a forum like this you'll get everything from "no way" to "no problem."
The reality is that it will be an Underwriter who has to make a determination.
The problem is that in the past a loan modification was viewed as just about the same as a foreclosure or other serious derogatory credit issue. People didn't get loan modifications unless they were in trouble financially and lenders would typically require you to wait 24 months to re-establish good credit.
Your scenario obviously doesn't fall into that description and your file will need to be handled as an "exception." Pick a lender you are comfortable with, pay the $20 for a credit report, and go through the pre-approval process. Give it a shot and you may have success.
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