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It’s time to take a look at your situation and decide what steps need to be taken. There are millions of homeowners who are hanging onto their home by a thread. For some there is little that can be done, but for many there is a solution.

Before we can get into the process of modifying your loan, you will need to look at what put you in this situation. Is the issue only temporary? Did your rate adjust? Were you laid off from your job for a period of time? Did you fall behind due to some sort of hardship? Once you have pinpointed what it was that caused you to fall behind, we can begin to figure out the next steps. However, if you have lost your job, and have no future prospects or proof of income, there is little that can be done, as keeping your home is not financially feasible even with a loan modification.

Similar to getting the loan, you must qualify for a loan amodification. Enter your information on our form to the right to find out whether you can qualify for a loan modification.

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The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the web-site is accurate and complete at the date first published, however you should recognize that information contained on this web-site may become out of date over time. Readers who have particular questions real estate financing or foreclosure, or who believe they require legal counsel, should seek the advice of an attorney. By submitting this contact request, you are consenting to be contacted by foreclosure consultants by telephone or email, even if you have previously listed yourself on any state or federal Do-Not-Call List. Please note that Wisdom may receive compensation from the foreclosure consultants for that introduction.

IMPORTANT NOTICE: is not a mortgage assistance relief service or mortgage lender, and does not do refinances. is not a government sponsored website. matches consumers with companies that may offer foreclosure prevention services. Lenders may not agree to change a consumer's loan. To access information on government sponsored assistance, please visit

* The 2% interest rate is based on the lowest interest rate available via the government's HAMP program. To learn more, please visit