Loan modificationI had bought a home 2 1/2 years ago now being foreclosed. I tried for loan modification as my mortgage is extremely high. 2200 a month for a 284,000, 1178 sf house. I would like to know what would allow for loan modification, as I turned in my financial papers, and what was asked for, and the bank did not seem to feel it would work. I want to know is it income, credit score, what would require the bank to lower the mortgage to 1300 a month? Thank you. email@example.comJuly 12 2009 - Wilsonville00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.