Navigating the waters of a Loan Modification can be confusing. Don’t get scammed and lose your house! Listen in for some useful tips on how to apply for a mortgage loan modification free of charge or even get assistance without costing a dime. People who are behind or about to fall on their mortgage payments should view this video. This video may also be benficial for those who are looking to improve their budget, consolidate their debt, and trying to avoid losing their home to foreclosure.