Foreclosure Help

Okey, so right now you may be facing foreclosure.
Your mortgage company tells you that it may be possible for you to do ma loan mod. They take an application and then tell you that you cannot afford it.
hmmm; why is it okey for you to pay the rate you are now but if they lower your rate you cannot afford it? What pompas ass makes these rules?
Oh, and then you have these companies that want to charge you for doing a loan mod for you. Obviously these companies need to get paid for their work but right now you cannot afford your mortgage and you do not know who is on the up and up and they cannot guarantee you a loan mod.
For free help to avoid foreclosure you can contact PHFA(pennsylvania Housing Federal Agency) They will stop foreclosure for 90 days. Save your money. If you are approved you will have to come up with a percentage of what you owe and they bring you current. You will continue to pay your mortgage at your current rate and will have to repay the loan that they gave you assuming that you are approved.
Another avenue is www.naca.com.
They are consumer advocates. They will do all they can to prevent your home from foreclosure and also to get your interest rate lowered. It takes a several months to do this due to the overwhelming number of homes facing foreclosure. In the meantime; again; save your mortgage payments. You will be asked to come up with a downpayment from your lender and your loan will be remodified. Naca's work is free.
If you would like to do it yourself so you do not feel like you are on the backburner you can find out how to do a loan mod yourself hereClick Here!
Good luck and let me know how you makeout!