Step1 Initially brainstorm about your trouble. Sit-down, and produce down every indisputable fact that jumps about why you-can’t afford your home, inside your mind. Why have you been having financial difficulties. Medical costs, loss of occupation, enhanced kidis university training tuition, divorce property taxes, credit card debt, etc. Create every feasible thought that has any influence in your financial situation or your wanting to bargain some kind of mortgage loan modification with Chase Bank.