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Article in Brief:If you¡¯ve missed to meet some of your mortgage payments, then you are already at risk of defaulting on your loan which may trigger the start of the repossession process. The government has created two potentially helpful plans to bail you out. The first one is referred to as Mortgage Loan Modification.If passed by Congress, there are some required qualifications in order to take advantage of the program.? The mortgaged house must be your current residence? You need updated Tax returns and payment receipts as your proof of income? The mortgage ought to be signed and accomplished on or before January 1, 2009? The first mortgage should be lower than $729,500? If the total debt of your household exceeds 55% of your regular income, you must undergo compulsory credit counseling? You must submit a convincing financial hardship letter handwritten and signed by yourselfThese are features that banks can do under the Mortgage Loan Modification program.? Banks can bring down monthly mortgage payme

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