Loan modification and especially of the mortgage kind is by far the hottest activity of the housing market in today's crisis ridden scenario.
 There are countless modification companies and equal variants of the loan modification programs.
You as a debtor striving to protect your home would want your investment to bring out the best results.
Here is a guide on how you can ensure that.
Money Back guarantee The loan modification companies usually ask for an upfront fee to contact you lender or bank and propose the modified agreement.
You are obviously paying out of your hard earned savings and would want your money back in case of no response or rejection.
So when inquiring into the loan modification programs offered by the company make sure that they provide you with a money back guarantee in case of such failures.
If this clause is not a part of its modification services then the company is not worth investing your money into.
Representation in court There is a very good chance that your lender or bank may reject your application even if you qualify for an approval on the basis of the guidelines.
This is when you can appeal to the court for justice against your adamant lender.
But to do this, you must choose a modification program that has a clause which protects against blatant and unjustified rejection.
A company that has an loan modification attorney on board would be a smart choice to assist you.
Hardship letter assistance This is in aspect where most of the times the do-it-yourself type of programs do not work.
The hardship letter is your key to getting the mortgage modification application approved.
There are certain secrets to writing the perfect letter which can only be revealed by someone who has a good experience in this field.
This expertise can only be provided by a company or a loan modification specialist.
 Hopefully the tips would help you fish out the best mortgage modification program out the pool of many.