I have a first and second mortgage. National Modification Preparation said once the 1st went though, the 2nd would respond. If one of the lenders did not reduce my loan I would get a partial refund and if neither refinanced through their program I would get a full refund. National Modification Preparation promised they would provide a mortgage payment reduction service to me in the following: Due to the current economic crisis, the Federal Government has urged all mortgage banks and lenders to allow qualified borrowers to modify their... read full review »