Foreclosure

There are two parts to the plan - loan modification and loan refinancing. What you qualify for depends on your current financial situation and whether or not you can prove (and document) that you are unable to afford your mortgage payment.

Are you in imminent danger of foreclosing and have missed payments? Has your mortgage payment increased significantly or can you prove you've suffered a hardship (job loss, medical bills, zero assets) which is preventing you from making your mortgage payment?