Discover how loan modification can help you avoid foreclosure, understand government programs available, and learn the steps to apply effectively.

A loan modification is an agreement between a borrower and a lender to permanently change the terms of a mortgage. You'll need to prove financial hardship in order to qualify for a loan modification.

Natalie Campisi is a senior journalist who covers personal finance, balancing timely news with in-depth enterprise reporting. Her mission is to make complex financial issues clear and accessible for ...

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If you're struggling with mortgage payments, a loan modification can change the terms of your mortgage without refinancing. Some or all of the mortgage lenders featured on our site are advertising ...