Are you overwhelmed by your mortgage payments? Has a major hardship orlife event changed your ability to pay you mortgage? This can be a depressing and helpless feeling, but hope is not as far away as you may think.

A loan modification is much like a mortgage refinance in that the objective is to find you a more affordable mortgage payment for your financial situation. In fact, it is often called a modified refinance. The primary difference is that instead of looking for a "new" loan you will just simply "modify" the terms of you existing mortgage.