Is the loan modification program limited only to FNMA and FHLMC loans? That's what was on the BOL Q&A on 4/13/09, but there is a seminar offering for the program and it says that most conventional loans including prime, subprime, adjustable, loans owned by Fannie Mae, Freddie Mac, private lenders, and most loans in mortgage-backed securities are eligible for a Home Affordable Modification.