Denied a loan modification?

ORLANDO, Fla. (WOFL FOX 35) - The Obama Administration is tightening the screws on loan services in response to thousands of complaints about denials and "trial loan mods" that are never converted to permanent modifications.

It could mean that the hundreds and thousands of you who've been denied loan modifications can finally get one, and the 650,000 people who are currently in a so-called "trial modification period" will be permanently modified.

But this is the second time the President has cracked down on the banks, and though it appears he's coming down harder, we don't know how or if this time it'll actually work.

We talked to Evalina Babiy whose been fighting for a modification for nearly a year. The family's mortgage is $3,500 a month, but ever since her father's pay was cut in half, the family can only afford $2,5000 a month.

They applied for modification and was put on a trial run, but after three months and big payments Babiy says, "We paid them $16,000, and then they told us we didn't qualify."

President of Orlando's Spectrum Mortgage Bruce Woodburn tells us, "If you can afford your mortgage, keep paying it and make do. If you can't call your bank, stay on them, try to convince them. If they don't work with you, call your state representative and let him know what's going on. Maybe they can help convince your lender to work with you."

The President's plan to tighten the screws on loan services is three fold:

Government SWAT teams will go to the institutions to see what the holdup is when homeowners are stuck in "trial loan mods;" banks will have to submit progress reports, two-a-day in December; banks that don't comply could face penalties and even be put on a public shame list of sorts.

The President has also mandated that government at the federal, state, and local level provide outreach to homeowners to help educate them.