The decision to reach out for help with your mortgage is not one that's easy to make. So we congratulate you for taking the first step towards saving your home from foreclosure.

Ask yourself this: If you could modify your loan, making your mortgage payments more manageable, and allow you to prevent foreclosure, why wouldn't you? The process is called Loan Modification and it is available to you now!

Loan modification is a process whereby a homeowner's mortgage is modified and both lender and homeowner are bound by the new terms. The most common modifications are lowering the interest rate, reducing the principal balance, 'fixing' adjustable interest rates, increasing the loan term, forgiveness of payment defaults & fees, or any combination of these.

Of course. However, negotiating and closing a loan modification is like representing yourself in court: it is possible, but you must decide if you are willing to take the time and assume the risks on what is likely to be your most valuable asset. A Loan Modification can be a complicated procedure and you are only allowed to modify your loan under President Obama’s plan one time. So it’s crucial that you get it right the first time. Many times homeowners turn to Foreclosure-Shield.com because they have reached a dead end when attempting to negotiate a loan modification on their own. For a real life example of the frustration that can result from the Do-It-Yourself Loan Modification, please see this CNN Investigation on Loan Modification.