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i am trying to get a MHA loan mod, which i understand to get approved for trial payments may take up to 6 months. I have been told that even if i get accepted for mod the trial period may take up to another 9 months. a year and a half is a long time, if i get married before the mod is permanent, will it effect the mod? the property/mortgage is in my name alone, will they make me take his full income into account?

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