KYHC is run by bureaucrats who use arbitrary parameters to prevent people from keeping their home. Vice using these “arbitrary parameters” they should look for ways to present mortgage payments one could afford. KYHC used these “arbitrary parameters” to deny assistance: "We are unable to provide you with KYHC benefit assistance because your loan to value ratios less than 115%; OR your 12 month mortgage history is > 1 x 30 or currently delinquent; OR you have an unaffordable payment. A requirement for the principal reduction program with curtailment only is that the existing loan to value ratio be 115% or greater; mortgage is current and 1x30 maximum in the previous 12 months; and your mortgage payment DTI ratio is < 38%." "Your property has an active, open lien or judgement that prevents you from receiving KYHC assistance." OTOH, Wells Fargo determined an affordable mortgage payment, based on current income, preventing foreclosure. KYHC should take lessons from Wells Fargo “Ohand” KYHC was told, in the initial interview, there was an IRS lien on the property. I was led to believe it was not a problem. Much of KYHC and my time was wasted. KYHC should have advised in the initial interview the lien would prevent assistance. BTW Wells Fargo was aware of the lien. The lien was an IRS error and was being removed. Details were provided KYHC. Stanley Seigler