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You do not need to be behind on your mortgage payments to be eligible for a loan modification under the Home Affordable Modification Program (HAMP). Borrowers who are struggling to remain current on their mortgage payments are eligible if they are at risk of imminent default. A borrower will be required to document his or her income and expenses and provide proof of the hardship or change in their circumstances. There are other modification programs that are designed to assist borrowers who are delinquent, such as Home Affordable Refinance Program (HARP). Contact us for a free initial consultation and evaluation. 401.539.8712 or email us at admin@jblakelaw

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