No, I can't because I'm not a party to the loan. So here's what you want to do: 1. Go to the note holder/lender/servicer who you are paying your mortgage to and ask to speak to a decision maker. 2. Tell them that you want to do a loan modification, what your hardship is, and how you can go about starting this process. 3. Make sure that you document everything (the person's name, phone number or extension, and everything they say). This is VERY IMPORTANT. 4. Get everything they agree to and you agree to in writing. *Do NOT pay any up front money or fees for a loan modification. *If you have a notice of default on your house, your time is limited. TIME IS OF THE ESSENCE. *Plan on waiting approximately 6-9 months for a reply, whether it be positive or negative. *You can’t do a loan modification if you can’t provide income documentation; your approval is partially based on your debt to income ratio.

A forbearance allows you to delay or reduce payments for a short period of time. If you agree to a loan forbearance during the loan modification process, get everything in writing from your lender. Just remember that if you are denied your loan modification, you will most likely get a notice of default.

There are three main reasons to do a short sale: 1. Protect your credit; a foreclosure will result in a 7-10 year negative on your credit, whereas a short sale will result in 18-24 months depending on your credit situation. 2. To avoid foreclosure, letting the bank post a public notice on your door, and taking your home. 3. To get your buying power back sooner.

I can’t help you do a loan modification and I can’t stop the bank from taking your house. If you do not qualify for a loan modification, you are not making your house payments, and you are in danger of foreclosure, then I can help you do a short sale, no matter where you live or what type of property you have. *Remember, you can’t do a loan modification if you can’t provide income documentation; your approval is partially based on your debt to income ratio.