Government data show that success rates on loan modifications are highest when payments are actually reduced.
Indeed, only 34.1 percent of modifications that decreased monthly payments by 20 percent or more were seriously delinquent, compared with 63.4 percent of modifications that left payments unchanged, according to a recent report by the Office of the Comptroller...
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HAMP trial loan modifications set people up to fail says housing counselor
HAMP trial loan modifications only helping 20-percent of eligible homeowners so far
See which loan servicers are approving HAMP trial modification approvals and why only 20% of eligible homeowners are getting approved.
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I'm Gail Simmons with my husband Hank and our children.