1. Key
   1. CLM
      1. Conventional Loan Mod
   2. MHA
      1. Making Homes Affordable
2. Continue in MHA logic where it asks "Is this a first lien?"
3. Must be noted on Financials as Rental Income
4. MHA Plan
   1. Is the property owner occupied or is it an investment property?
      1. Yes
         1. Is the loan a first lien loan?
            1. Yes
            2. Is the loan less than $729,750
            3. Yes
            4. Eligible for MHA
            5. No
            6. Does the property have 2 to 4 units?
            7. Yes
            8. No
            9. No
      2. No
         1. Use CLM
5. CLM
   1. Is this an investment property?
      1. Yes
         1. Is the property rented?
            1. Yes
            2. Are you collecting monthly rent payments (income)?
            3. Yes
            4. Are there any other loans securing the property?
            5. Yes
            6. Are any of these loan with the same lender as the 1st loan?
            7. Yes
            8. Is the 1st Lien in foreclosure?
            9. Yes
            10. Is the 1st loan subsidized by Fannie of Freddie?
            11. Yes
            12. Don't know
            13. No
            14. No
            15. Is the 2nd loan subsidized by Fannie or Freddie?
            16. No
            17. Continue on CLM
            18. No
            19. Continue on CLM
            20. No
            21. Continue on CLM
            22. No
            23. Continue on CLM
      2. No
         1. Do you occupy this property?
            1. Yes
            2. Transfer to MHA
            3. No
            4. Continue on CLM