Beware! We were offered a home modification, reducing our payments. They have a trial period of four months, and then if payments are made successfully they will give you a permanent modification. During the trial period, if regular payments are not made, they will mark the past due balance as 30, 60, 90+ days late on your credit. If you pay the modified amount during the trial your credit will be ruined. If they decide to add an escrow to your account, you will need to make the new higher payments or suffer negative credit... read full review »