As more and more homeowners find themselves facing foreclosure, government and lenders are working to make it easier for people to pay their mortgages. We have helped a few of our clients negotiate a loan modification with their lender, but not all lenders will modify the loan. Especially if the loan is not currently past due.

Here is a great article describing some of the efforts and challenges associated with loan modification:

http://rismedia.com/wp/2009-01-22/few-borrowers-can-revise-mortgage-loans/