Sure we have all heard of loan modification and Government help with mortgages, but how much is fact and how much is just another sales pitch or campaign promise that is nothing more than an empty promise.

I know, I have read the same advice too. "Just call your lender, they will help you" sometimes they do if you persist and sometimes the endless phone transfers are so frustrating you give up. Maybe you have already tried calling and are now looking for professional help so start reading the ads. "Modify your mortgage to 1% and a $100k principal reduction, guaranteed." Right, I have the same feeling in the pit of my stomach when an IRS Agent shows up at my door and says he is only there to help me. If only it were true.

We want to believe and we know people have been helped but how do you know if your lender is taking advantage of you or if a loan modification company is legitimate. No one wants to get ripped off whether it is by your lender or a mortgage modification company.

Do I Need To Hire A Loan Modification Company
To Modify My Loan? Or Can I Do It Myself?

You can do it yourself! In many cases you can modify your own loan directly with your lender with a little help or advice. Mostly you just need to understand what is going on so you are not taken advantage of. I will try to provide you with the information you need so that you can do just that. Sometimes you may need some professional help to get the loan modification you need. Some would rather hire a professional to handle their mortgage modification just as they would hire an Accountant for filing their taxes or a Mortgage Broker for arranging a mortgage loan in the first place.

I have been writing articles and arranging mortgage loan modifications for a little while now. I have run into many of the barriers that you can expect to run into and many that you would never expect. I still get surprised by what can happen. Most are straight forward. Your lender would prefer not to modify your loan and will try to discourage you from getting a loan modification. Everything from telling you verbally that you do not qualify to endless phone transfers and even disconnecting you after spending an hour or more on hold. If you persist and hang in there, no matter what happens, you stand a chance of modifying your loan.

Help On Mortgage Renegotiation

I mostly write articles on mortgage modification and the mortgage foreclosure process that are republished in numerous blogs. From these articles I get many emails and phone calls asking questions or asking for help.

I receive many requests that I renegotiate mortgages for readers, some I do take on as personal clients but there are only so many I can do myself. This website is intended for the help and advise you need to do it yourself, if you feel you need or want more help you can contact me.

Is There HOPE For Homeowners?

I am constantly researching and reading all the documents I can on government mortgage assistance to stay current and there are 1000's of pages with continuous updates. Although the government can make the simplest things complicated, they do help some people if you can sort through the red tape and regulations.

While many homeowners end up falling outside the government guidelines most lenders will modify your loan if you present your case correctly. Some loan restructuring is easy and you can do it yourself with your lender's help and some you will need professional help to even get your lender to consider it.

Still Not Convinced? OK,You Are Welcome To Contact Me If You Feel You Need The Help

This web site is intended to educate you and give you the information you need to put you in better control of getting the mortgage modification you need and in better control of the whole home foreclosure process. I address the questions I have been asked most often in emails and phone calls, you can even ask your own questions if you do not find the answers you need.

So are you ready to get some real answers to the real questions on mortgage modification, government mortgage assistance and other mortgage foreclosure questions such as:

• Do I qualify for a loan modification?

• Can I save my home?

• Is there HOPE for homeowners from the government?

• How do I write a hardship letter?

• How does mortgage foreclosure work?

• How do I find out what mortgage modification I am eligible for?

• Can I really get government mortgage assistance?

• Do I have homeowner foreclosure rights?

• Do I have other options if I don't qualify for the government programs?

• Can bankruptcy stop foreclosure?

• Is it true that investment properties are eligible for loan modification?

Then read on. You may have a lot more options than you thought.

There is hope!

Something can be done about it!

So lets get started!

Mortgage Loan Modification and Mortgage Foreclosure Help Nation Wide
Offices Locations: Missoula Montana - MT and Los Angeles California - LA CA