Need Ocwen Loan Modification

[Mike]

Please I need some advice. My wife and i bought our house in 2005 and our loan is about to reset at a higher rate in September. My wife is quitting her job as she is pregant and now is a 1099 employee therefore her pay fluctuates. Currently we can easily afford our payments and have never been late, in fact we should be able to afford our payments even after our rate resets, however, there is a chance that we may not be able to afford the payment if my wife's 1099 job does not pay her enough. I would try to refinance but like many families we owe more than our house is worth, as a result, does Ocwen offer any options? I just need any advice or tips from anyone that has had their loan modification approved. It will be greatly appreciated.