A loan modification is the reductions of interest and monthly payments to make everything short and not too long.

Banks are supposed to help you out with your mortgage because they  lose a lot of money on a foreclosure but they still refuse to do that and instead of educating all their CSR they just let them do what ever they want, when ever they want ( yes people when you call your bank and try to do a loan modification that is who your talking to to, just a CSR. no offense to anybody that is in that field) or they just don't monitered their employees. As of the servicers go, don't even think about giving them a call because they think they are above everyone and they choose not to help you at all and they are gonna be rude as one of the major CSR's major cell phone company.

This goes to all the homeowners, if someone tells you that you can't modify your own loan is because you have a very little chance to do it, they either won't talk to to you or they just make  you waist a lot of your time and by the time they want to or decide to help you, you are already deep in the hole and you can't climb back up so if I was you and instead of thinking that I'm waist a lot of money paying somebody else to do the loan modification for me...I honestaly want to think that I'm spend a lot of money to save my house, the roof for my family, my future.

Honestely what is it that you prefer to do? lose your house which it means losing thousands and thousands of dollars or invest couple of thousands to keep your house and take a lot of weight of your shoulders.

I think this is a no brainer so do your home work, read everything, think about it and make a decision of what you want to do.