I have a home with a $1300 a month payment thru Chase. $142,000 loan originally. I've been paying faithfully for 2 years now. I recently lost my job and now I am making about 50% of my former Salary. My home mortgage equals about 40% of my income or more depending on what I make driving a truck. I make like $800 a week average. I can't refinance with anyone decent because I have a 580 credit score. May become worse soon. Is chase going to laugh at me since I have been on time with my mortgage if I call their loss mitigation dept and ask for help? What is the likely response?