tom bakar spent the day talking with homeowners and has this report for us. >> reporter: the moldenados of gilroy came to chase's loan modification fair to see if they could make a trial modification permanent. >> it's doable. it does make it easier for us, and we can, you know, hopefully, hope for something permanent. >> . >> reporter: they hope the meeting face-to-face will help. >> we've been trying for a year and a half, since april of 2009, and it's been nothing but a nightmare. >> what they're able to do is give you a clear line of sight of what the options are available to them and what the requirements are for each one of the options. >> reporter: the options: keep paying, a modification, short sale, turning over the deed to avoid foreclosure, or the most expensive option for all parties: foreclosure. >> they have the ability to pay. they have some sort of way to be able to document that, and we're going to try to flush that out to keep them in their homes. >> reporter: but after a half hour they learned they were denied because their husband's self-employed business does not in