Loan modification help
The best way to complete a successful loan modification, and to therefore keep your home, is to get help!
Believe it or not, you can not do everything on your own! There is roughly a 99% chance that you are not an expert in the finance field that has been through dozens of loan modifications before.
The best course of action is to do your research on all of the companies, agents, and advisors in your area that have experience working with loan modifications. Choose someone that you feel comfortable with that has a nice track record in the field, and you should be good to go.
Loan modifications are a lot of work. You have to fill out countless pounds of paperwork, you have to haggle and negotiate with your bank, the BS that goes along with a loan modification is endless to tell you the truth. You might make it through the modification by yourself if you are determined, but then again you might not, why leave your home and your future up to chance?