The real estate market in our area has been pretty hard hit. When it came time to refinance we realized we owed more than our home was worth.

Our bank would not adjust our loan and threatened to foreclose on our house. It was a scary time for both of us.

Luckily, the team of loss mitigators at Modification.org went to work and modified our loan, lowering our balance, reducing our interest rate, and enabling us to avoid foreclosure.