Loan Modifications Still Not Being Made

Although time continues to pass, and the mortgage industry portrays to the public that they are helping thousands of Americans keep their homes, such is not the case. I have more and more people coming into my office who have been working for months and months with their lenders. Some make it as far as a temporary modification, which is supposed to last 3 months. However, many of them are now in months 9, 10, 11 and 12, and still no answer on their permanent modification. Obtaining a loan modification is a fairy tale!