My husband and i has own our home for three years and have paid our mortgage on time. The past last year we have come across some struggles in paying our mortgage with the way the economy is going, we have been diping into our IRA to cover our mortgage. We recieve a letter in the mail stating the Loan Modification Team will work with your lender to lower your payments, a guaranteed minimal of twenty-five percent will be automaticly promissed at the end of the 60 to 90 day process, additional amount will be lower depending on their criteria. So... read full review »