With layoffs, raising gas prices, an unsecure economy and competitive job market, security on your mortgage is something that is on the minds of many people.

These days most the half if not more of all home owners could use a Loan Modification to help ease the stress of the current chaotic world. Unfortunately lenders like Bank of America, Indy Mac, Wells Fargo and JP Morgan Chase are giving home owners the run around while trying to modify their mortgage.

Loan Modifications are free and available to qualified home owners who know the tricks to beat the bank run around. Many times all that is needed is the proper paperwork and a accurate hardship letter to get a loan modification. The Lenders however have been very reluctant to allow what they need to come to the surface, creating a roller coaster of disaster for home owners.

Government plans such as the Obama Hope and Foreclosure Rescue Act have been put in place to help ease the scope of this epidemic. However lender’s backed up paperwork and less then open communication line still keep the process at a standstill. According to a article in the Herald Tribune, one hopeful loan modification applicant’s paperwork was lost 3 times in the process. Bank of America claimed that it had no idea where her application went, and maybe it was transferred to another department. Another applicant had everything submitted except one document and was forced to restart the process again along with a 6 month wait time.

At one time the answer to these problems was a loan modification company. Many Loan mod companies these days however are created by out of work brokers and are operating under fraudulent guises. One of the biggest red flags to a fraudulent loan modification company is charging upfront fees. These companies claim to stop foreclosure and renegotiate your mortgage terms with the lenders, however most take the application fee of 3,000$ or more and run.

So what is someone to do trapped in the ninth ring of hell? Well many people are offering loan modification kits that teach you how to combat the lenders on a local level. One still must take heed for a lot of these do it yourself kits are just front for their loan modification company. One company to trust for their loan modification kit is 911-Foreclosure at  These guys are the real deal offering you a complete package to get your mortgage modified. 911-Foreclosure More importantly they include current news and expert reviews on the topics that mean to most to home owners in loss mitigation. Until the government has a sure fire procedure in place to stop the foreclosure roller coaster, it might be best to just modify yourself and stop the hassle.