It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer.  You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United State Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov.

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