Loan Modification?  What is that?    Well it is pretty simple, what I do for people is I help them renegotiate the terms of their current loan to avoid foreclosure.   In a marketplace where foreclosure is on the tip of everyone's tongues there are options.   My service is attorney based and can make all the difference in the world as far as people keeping their homes.   If you have clients that bought property on an ARM and are now upside down and behind in payments I can help.   There are two major players in the process.  The consultant (me) and the attorney.   I help people get all of their ducks in a  row.  We do a complete financial analysis and put together a package to submit to the attorney.  The attorney armed with all of  the information he could possibly ever need goes to bat for the client with their lender.   We are seeing interest rates as low as 3.5% for terms as long as 40 years.   This does amazing things for your payment.  It is in the banks best interest to give you a lower rate for a longer time rather than take back the property.  Banks want loans where  the payments come every month.  They do not want to own homes.  If you or someone you know is in trouble let me help.  my initial consult is free and you have nothing to lose,,,,,,except your home