If your loan is transferred, the new mortgage lender may not change the terms of your loan. (themortgagereports.com)
If you think your problems are short term and can be sorted out in 3 months, your lender can help you by changing the terms of your loan. (moneysmart.gov.au)
They can give conflicting instructions, lose your documents repeatedly, change the terms of your loan mod after you've successfully completed your trial mod plan, or just flat out ignore you. (arklawgroup.com)