"A Loan Modification is when your servicer agrees to issue a new loan by modifying the term, rate, or amount of your existing loan. A modification is a new mortgage. Many homeowners have recently been submitting their modifications themselves. Yet, they are not aware of the detailed underwriting guidelines their servicer may have when it comes to modifications. Unless you have a detailed understanding of how mortgages work in regards to debt to income ratios, disposable income, acceptable household income, and contributions then you may be submitting a modification that will be denied from the time you press send on the fax. Our office has an incredible success rate when it comes to loan modifications. We can let you know within minutes if you will qualify for a loan modification. And if you do not, then we will let you know what steps you could take in order to qualify. We can help even if you have a modification currently in process."