This FREE Loan Modification Wizard has been designed to help homeowners keep their homes! When negotiated properly, 99% of Good/Excellent credit lenders and 70% of Poor/Fair credit lenders (sub-prime) will agree to modify your loan. In this case, most (if not all) delinquent payments and foreclosure fees are either abolished, or added onto the back end of the loan. Find out if you qualify for a Loan Modification today. It’s quick, it’s easy, and the more questions you answer – the more accurate your results.