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i'm 2 mo delinquent now and Chase has been leaving me voicemails as expected. i have very little savings, very little home equity; i plan on moving in with my son after i lose my home. I fully feel comfortable foreclosing and just living in home rent-free. Before my 3rd delinquent month, any benefit to try and apply for a home modification to try and extend my home stay? I could see myself living in this home if they permanently reduced my interest rate to the lowest rate of 2% fixed and forgive principal. i've been denied before while i was current and they said even if we modified, your income is insufficient to meet the timeline of the loan. Chase themselves recommended short selling/foreclosing while i was current.. now i'm delinquent and i'm giving them what they suggested. thoughts?