From a homeowner’s perspective, the experience I noted from the client above is a common experience for people that try to modify on your own. As I’ve said many times, I recommend that homeowners call their bank to see how open they are to helping you. However, from most clients who call us after trying to talk to their bank, they want to pull their hair out because the experience is so frustrating. We can answer your questions on how to make your experience less agonizing when you call your bank. The main reason it is recommended to go through a modification company is that we should always be able to get you better terms on your loan than you can get yourself because we have been doing this awhile and we know the hot buttons for most banks. That being said, it doesn’t mean you have to go through a modification company. You can try to do it on your own. At the same time, if we can assist in making the process less painful for you when you do talk to your bank, we are here to help.