Is Loan Modification available?

So if I understand you correctly, the problem is your payment? You will need to contact your lender to discuss any options that they may have for you.

go to www.hud.gov to find a counselor with whom you can press forward. you need to speak with your mortgage lender to obtain a modification. they'll tell you what you need to do, but having a counselor working on your behalf will settle a lot of the questions early on. one thing you'll want to do is to draft a hardship letter that will provide them with the details of why you warrant having a modification.

Please feel free to call me anytime. I can provide you details that may possibly help you with your situation. This is not a loan modification but restructuring based on potential loan violations. All negotiations and settlements conducted by the attorney. No hardship letter is needed.
Attorney reviews documents first with no upfront charge.

Kerri Josephic
724-382-4600

i cannot begin to imagine where you got this "restructuring based on potential loan violations" from. our original poster indicated his balance is currently greater than the value of his property. given the current economic situation in this nation, that's not in the least bit surprising.

so you are what, kerri - a builder, a restructure artist, a broker, etc. how many hats are you wearing and what are your credentials?

buyer beware - for the review of documents first, there ought never to be a charge. so the review is used to determine how much you can overcharge the poor homeowner?

ckk, you wrote in for advice. here's some. do not call kerri.