A loan modification is where the lender agrees to reduce the payments on a loan due to the hardships suffered byt the homeowner. The process of obtaining a mortgage modification can be very frustrating for an individual trying to do it on their own. Our team assists the homeowner in compiling the necessary documentation and property submitting it to the lender, often working coordination with a local, non-profit, HUD counselor which does not charge the homeowner for its services.