You know there is something wrong with a system when those that need it don’t qualify. This seems to be the case with the Home Affordable Modification Program. One of the main reasons home owners are turned down is because their loans, by the Home Affordable Modification Program standards, are too affordable. How is it decided if a loan is too affordable to qualify? One of the main factors is the percentage of the household income that is dedicated to pay the mortgage. If 31% or more of th