Even as experts brace for surge in foreclosures this year, part of the borrower is eligible for a modification of their mortgage to help them keep their home is shrinking, according to the federal agency that regulates National Banks.

Most of the applicants who meet income and other qualifications loan modification that would make their homes more affordable already had received assistance. The result was that a wave of home owners who do not qualify for a loan modification or other foreclosure alternative to, the U.S. office of the Comptroller of currency.

Rejected including those who do not have enough income to buy their home even if their modified loans, housing counselor said. Others were turned away are the ones who can afford their existing loans but would like a reduction in loan balance them just because they owe more on your home than it’s worth.

The number of financially troubled homeowners their monthly mortgage payments are derived in ways such as lower interest rates or extend the length of the loan dropped significantly last year. Which, Ironically, at the same time that housing counselors report application process after a nightmare becomes easier, friendlier and more efficient for the applicant and the main loan servicers, such as Bank of America and Chase, has reached out to help struggling borrowers.

The Bank has opened a mortgage Help Centers and set National case manager to work with individual borrowers one-on-one during the loan modification process. In the Centre and on the weekend of the exhibition the homeowner can meet face to face with representatives of the bank.

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