government loan modification program  I have been waiting for the program that will help folks like me who are current on their mortgage. My husband and I have been able to keep it up to date but now find ourselves in a bind with him becoming unemployed. There is help available through our the government loan modification program. It was created to help those of us who are current but not able to get a refinance because the value of our home has dropped dramatically due all the foreclosures in our home's local. And for those who are experiencing a hardship financially.

I was able to relieve my anxiety by getting information regarding the government loan modification program on line. I have learned there are two programs. One is called Making Home Affordable and the other is Hope for Homeowners. I found the information easy to read and understand but still I referred it to my realtor to get his opinion.

My realtor gave me the comps for homes my area and brought to light the inequity of my mortgage balance owed and the current value of my home. Yikes, is all I can say. He suggested I start by calling my mortgage loan company and discuss the government loan modification program available and my eligibility. 

I'd like to see all homeowners be able to stay in their homes during this economic down slide and also get a fair piece of the government pie when they need it most.