Did you know that the government is forcing banks and lenders to modify billions of dollars of mortgages helping to keep americans in their homes. These are called Loan Modifications. Don't pay thousands of dollars to hire an attorney or loan modification company to do what you can do yourself for free. let us show you how to negotiate with your lender to lower your rate, fix in your payment, get caught up on past payments, lower your loan balance, waive fee;s and penalties, and keep you in your home. Our self help kit was created to help Americans modify their own mortgages. We will show you how to save hundreds of dollars a month on your mortgage, and it really works.