1. Key
   1. CLM
      1. Conventional Loan Mod
   2. MHA
      1. Making Homes Affordable
2. Floating Topic
3. 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
4. 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. No
            4. Is property vacant?
      2. No
         1. Do you occupy this property?
            1. Yes
            2. Use MHA
            3. No
            4. Continue on CLM