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The government in conjunction with your lender has agreed that anyone approved for mortgage loan modification will not have to pay more than 31% of their gross income towards their mortgage.
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Before going to the steps you should also remember that if the situation of your modification is due to personal or financial problems, the lender would give certain agreements or terms which are going to be useful for the lender and borrower.
If you just give all your information to your lender, faxing it in and trusting them to do the right thing, be prepared for a lot of heartache and sleepless nights.
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