I am disabled and receive untaxed Social Security Disability Insurance (SSDI) benefits and tax-free Veterans Administration disability compensation totaling $2,612/month. I recently applied for a loan modification through the Home Affordable Modification Program (HAMP). My lender, GMAC Mortgage, LLC, estimated my gross monthly income to be $3,265 ($2,612 by 125%), which is $653 more than I receive per month. Why is this $653 added to my total monthly benefit amount to estimate my gross income? If I actually received an additional $653 each month I wouldnâ€™t be seeking a loan modification?