So often the desire to "hold onto a home" can override logic. In
he explores whether it's emotions or logic that are causing a person to pursue a loan modification. Sometimes facing the hard reality and making the choice to short sale makes more sense.
Many People waste a lot of time and effort trying for a loan modification when they shouldn't. These people are usually acting on emotion rather than logic. Often times, logic kicks in later and that’s why 85% mod loan goes back into default.
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