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Here is something you should know about loan modification, from bankrate.com.

Banks have been surprising homeowners with tempting, unsolicited offers to modify mortgages. The proposed loan mods come with attractive terms and a chance to wipe out part of the mortgage balance. But some borrowers find the seeming generosity suspicious.

Some of the offers give borrowers the opportunity to switch from an option adjustable-rate mortgage, or ARM, loan to a fixed-rate mortgage and include partial balance "forgiveness." They normally don't cost the borrower a penny and require only a signature.

An unasked-for modification may sound like a no-brainer at first. But when you think about the thousands of struggling borrowers who unsuccessfully beg and wrestle their lenders for a loan mod, you may wonder if this offer has a catch or if you're just lucky.

What's the catch?
Assuming you have confirmed the offer letter came from your lender and not a scammer, there's not really a catch in these loan mods.

But "keep in mind banks are not doing this out of generosity," says Howard Ullman, an attorney and owner of Family Counseling Law Firm in Deerfield Beach, Fla. "Yes, you may want to take advantage of (the loan mod), but it's important to be skeptical and understand what you're doing and why you're being offered this."

Why the 'generous' offer?
Take option ARM loans as an example. These once-popular loans allowed borrowers to skip paying the principal and part of the interest on the mortgage for a certain period, while the unpaid portion was added to the loan amount. By offering to modify these loans into fixed-rate mortgages, lenders try to prevent default, Ullman says. But mainly, they try to get these loans off their books because the government and investors view them as "toxic."



Read more: Take A Surprise Mortgage Modification? | Bankrate.com www.bankrate.com/finance/mortgages/take-surprise-mortgage-modification-1.aspx#ixzz2BQXTxw5i