Do you feel like you can no longer see your future? It wasn’t so long ago that people knew exactly what was going to happen. They had bought a home and started a family. They had a small affordable mortgage. The house would be paid off in 10 or 15 years. The kids were doing well in school and would graduate in just a few years. There would be enough money in the bank to retire comfortably.What happened?Somehow they had decided to refinance their homes, buy new cars, go on fancy vacations or add on to the house. The loan they had thought was too good a deal to be true turned out to be just that. The first blow was getting laid off at work. Then the stock market crashed wiping out half their savings. After trying so hard to keep up, it eventually became evident that they would no be able to continue making the payments. They were good people, how could this happen?It probably won’t make you feel any better, but you are not alone in this situation. Its time to get your life back on track. There is help out there but its not going to come to you. You have to seek it out.What am I talking about? Home loan modification. The country is in dire straits. We don’t need another foreclosed home on the market. It drags down everything. It causes the banks to show a loss and weakens the whole system. The banks want to make a deal but there is only a small window of time to get a loan modification done.The problem is, banks aren’t set up for this. They know how to make new loans but they have never had to modify loans on houses that were worth much less than the value of the loan. The formulas they have used to make loans don’t work on loan modifications. Many don’t even have a loan modification department.There are non-profit loan modification organizations that are supposed to help you modify your loan but they are inundated with requests. If you could wait forever, there wouldn’t be a problem. However, there is a problem. If you miss just one payment, it starts the clock ticking on the foreclosure proceedings. There is a point of no return when no matter what you do, you are going to lose the house. You have to get started before that date. By the way, the date varies from state to state so you’ll have to ask someone how much time you have. The basic point is:You must start your loan modification plan right now!Have you heard about the scams in the loan modification business? It was so bad, they had to make strict laws especially for the home loan mods. Those regulations are now in place. The companies that are doing loan modifications on home loans operate in a tightly regulated environment. Different states have different loan modification laws. Ask your advisor to see which applies to you.The main reason to use a professional company that specializes in loan modifications is they know how to get things done. There are certain guidelines that must be met. Unfortunately the home owners don’t know what those guidelines are. They often submit wrong or incomplete paperwork. They leave out vital information like account numbers. They don’t know whether they should declare certain items because they have heard if you make too much money, your loan modification will be turned down. Once you tell a bank employee something, it goes in your record. A loan modification specialist, much like a lawyer and sometimes is a loan modification attorney, can consult with you and help you build your case for saving your home. They will know exactly what needs to be disclosed to save your home.Remember, if you are in trouble on your home, you need to act now. A lot of people get depressed and put it off for a day or two, or maybe first of next week or after the 1st of the month. There are so many excuses I can’t even begin to write them down. The point is, you need to start now. Right now. Not tomorrow, not next week, right now. If you do that, there is an excellent chance you can save your home.