WASHINGTON — In the nearly four months since Treasury Secretary Henry Paulson challenged mortgage lenders to modify distressed home loans voluntarily to ease record numbers of foreclosures, it remains difficult to gauge the program’s success. McClatchy followed several homeowners as they worked with - and sometimes battled - lenders and loan collectors during the mortgage modification process, called Hope Now. These homeowners got their loan problems fixed, either temporarily or permanently, but the process was arduous and varied. Some got stays from foreclosure, while others merely saw the threat pushed into the future. For many, the total values of their loans didn’t drop and remained larger than the current values of their homes. ‘You have to fight for your house. If you are in my situation, you have to be persistent and do everything you can imagine,’ said Chris Jennings, a homeowner in Shasta Lake, Calif., a sleepy town not far from the Oregon border. An antiques dealer without a fixed income, Jennings had refinanced his home two years ago with an adjustable-rate loan that was about to tick up on Feb. 15, adding $440 to his monthly payment. He’d assumed, like many other Americans, that […]