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Be Careful if seeking a Loan Modification The California Department of Real Estate (DRE) is warning customers to watch out for loan modification scams. The DRE has filed a record number of actions against scammers who have offered loan modification and loan mortgage relief services. The DRE has opened more than 4,500 cases that involve loan modification complaints since 2008, as well as 88 accusations accusing 159 real estate professionals of violating real estate laws in connection with offering loan modification services. 