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In order to get your mortgage modified through the program, you must: Have a mortgage loan that's owned by Fannie Mae or Freddie Mac and originated at least 12 months prior to applying for a modification. Live in the home as a primary residence or use it as a second home or investment property. How the Flex Modification Program Works - SmartAsset smartasset.com https://smartasset.com › mortgage › flex-modification-pr... smartasset.com https://smartasset.com › mortgage › flex-modification-pr...
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