Stop making your payment if you want to be approved for a loan modification. If you miss a few payments, they will not ask for your bank statements and or any other docs to turn you down on. if you are current on your mortgage, they will ask for any bank account you sign on. They will turn you down for cash reserve just on that alone. They look for any reason to reject you not approve you. Remember that Bail out banks define cash reserves as money you can rob, not just the money that belongs to you, same way they think of the money in their bank right now.. all theirs. those ding dongs counted my employers payroll as my money.. yes it really happened.