Every day I speak with dozens of people that are deep in the foreclosure process and desperate for help. Many have been taken advantage of by unscrupulous Loan Modification Companies and are now, not only deeper in trouble but out several thousand dollars to boot. They are desperate for help and just want someone, anyone to listen to them and give them some help. A little bit of hope! So -- every day I listen and advise them as to their best course of action. Some days, it is not easy.

The loan modification process is time consuming and can be a bit overwhelming for people. However, with the right help and a little bit of work you can get through the process and get the terms of your mortgage changed to something that is more in line with your current financial situation. There is help available! In an effort to help, I have decided to write a few articles that will shed some light on the process and just maybe, help someone save their home from foreclosure. Here are three of the most asked questions I receive on a daily basis concerning the loan modification process.

1. Do You Need To Be Behind on Your Mortgage?

Lets look at it this way. If you are current with your mortgage, your lender believes you do not have a problem making the payment. Having said that, I would never advise someone to fall behind with their payment. If you are behind or know that, "this is the month everything falls apart," that will open the door for your lender to realize you have a problem. Weirdly enough, it makes your case stronger. You do not have to be 3 - 4 months behind though as some people will tell you.

2. My lender sent me a letter saying they would help me modify my mortgage.

Your lender has to offer you a loan modification before they can foreclose on your home. "Offer" is the operative word here, as they really do not have to do anything else. It is not in your lenders interest to change the terms of your mortgage unless they have to. Do not trust them to really help.

3. I have a Notice of Default. My lender said I do not need an attorney. That they will help me.

In a foreclosure process you are being sued for your home. Your lender has turned the matter over to their Law Firm that handles the foreclosure process for them. This will be a very BIG and Powerful firm. They do not want you to hire an attorney because they do not want you to have any rights is dealing with this. Truthfully they just want you to roll over and go away. That why it is so difficult to get in touch with anyone that can help you when you do try and call in for help.

The absolute best way to receive a loan modification from your lender is to hire an attorney that is well versed in loss mitigation law. And you want to check to make sure they have been doing this type of work for a few years.

You may be like the millions of homeowners across the country who simply do not have the few thousand dollars to pay an Attorney to modify your mortgage. And please, DO NOT even think about hiring a hummingbird loans 2000 installment loan no credit check Modification Company that tells you they are "Attorney Backed!" The sad truth is the vast majority of these companies are the same people who put you in this mess to begin with and can not help you at all!

They are just scamming you out of your money.

Now, many people have asked me to tell them about what I think of these do it yourself loan modification programs. The absolute truth is, if you are just a couple of months behind with your mortgage payment but have not received a Notice of Default from your lender, there is still time to get a loan modification program done. There ARE a few excellent, do it your self programs available that will help you achieve a loan modification.

I truly believe that you can do this yourself and not only that, you should try to do it yourself. It just takes a bit of work on your part and no one will work harder saving your home than you will. It is only smart to first learn all you can about how the loan modification process works. A smart, educated, informed homeowner is harder to take advantage of! Don't be intimidated!! Your home is too important to lose without a fight!!

TK Bradley is a financial consultant and has 15 years of Mortgage Loan and Real Estate experience.

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I have done a bit of research into different online programs you can use to achieve a great hummingbird loans tribal installment loans direct lenders no credit check modification if you can not afford to hire an attorney. If you would like to learn more about getting a loan modification, check out this site for more information about the above topic and all the information is free to anyone who has a need for it!