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Mortgage Loan Modification   How Does a Loan Modification Work? How do I Qualify for a Loan Modification? What information do I need to collect? What is HAMP? How will a Loan Modification affect my Credit? Loan Modification or Refinance, what's the difference?   The reality is that struggling to make mortgage payments or falling behind on mortgage payments can happen to anyone. If you are faced with the possibility of losing your home, you may start to think about your options. One...