Mortgage modification is a process that is used to make a mortgage more affordable for a home owner who is going through tough times keeping up with the mortgage payments on his/her house. The process involves a permanent or temporary change in the originally agreed upon terms of the mortgage, which enables the home owner to hold on to his house and be able to make the mortgage payments instead of losing the house to foreclosure, or having to give it away in short sale. The lending banks norm

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