With loan restructuring or loan modification, you change some or all of your mortgage loan terms, protect from foreclosure and obtain a more affordable payment. Loan Restructuring or Modification will alter your existing mortgage loan and give you a fresh start and bring your account up to date.

What qualifies as a loan modification

1. Owe more that what the home is worth.
2. Adjustable rate mortgage that has or is getting ready to adjust to a      higher payment
3. Behind no more than 2 payments (no NOD filed; start of the      foreclosure process)
4. Experiencing some type of hardship...loss of job, hospitalized etc...