In February 2009 Paul Damiano at United Housing Relief (UHR) responded to my on-line request for information concerning mortgage loan modification. He said that UHR could work with my mortgage company and secure a modified mortgage (after saying that I pre-qualified based on my financial information that we went over on the telephone in that initial conversation). He said they by-pass the Servicer, and go directly to the investor and that their services were money back guaranteed if they were unable to successfully secure a fixed rate, lower... read full review »