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less than two months ago i would not have been able to answer this question but since then, however, i have become somewhat of an expert. YES. you can modify your loan and usually get better than just a 30 year fixed. i did it with my home when i was behind on my payments. i used a kit i bought on a website that included an fsla report.they advertised it as leverage against the lender. i was skeptical but my wife convinced me. needless to say, it worked. it gave you the step by step on every possible way to modify, very informative. we used the fsla report to force countrywide into a sweet modification that included a 4.825% 30 year fixed and a substantial principal reduction. the site was www.myhomesavingsolution.com and i have since reffered it to several individuals who are using it with success. hope this helps.

Tyler, NY

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Q: Can I modify my loan into a low rate 30 year fix loan if my tenants doesn't pay for 3 months?
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