Zillow Advice: Home Ownership - loan modification http://www.zillow.com/advice-thread/loan-modification/123673/ Zillow Advice | Zillow Real Estate This post is from 2008! http://www.zillow.com/advice-thread/loan-modification/123673/ This post is from 2008! Wed, 30 Nov 2011 18:32:00 GMT http://www.zillow.com/advice-thread/loan-modification/123673/ 2011-11-30T18:32:00Z Im not seeing to many modifications ... http://www.zillow.com/advice-thread/loan-modification/123673/ Im not seeing to many modifications going through and there are other options out there but people are having a hard time getting through to the banks its horrible Wed, 30 Nov 2011 18:31:00 GMT http://www.zillow.com/advice-thread/loan-modification/123673/ 2011-11-30T18:31:00Z The first thing I'd like ... http://www.zillow.com/advice-thread/loan-modification/123673/ The first thing I'd like to ask is why? There are many "particulars" about modifications you must be aware of....That's where a worthy consultant helps and is priceless.....But, if it meant to be, it depends on your state's average....The courts are backed up, and in Florida especially, you wouldn't even go to court first.....You would be sent to a "mediator" to try an work something out.....Lastly, if your modification fits the 2 models (debt to income ratio and ALSO the income expense program), you should have no problem.....Of course, it has to be your primary residence and you have to have a "hardship"..... Fri, 25 Mar 2011 22:17:00 GMT http://www.zillow.com/advice-thread/loan-modification/123673/ 2011-03-25T22:17:00Z