For all of you looking for a truly qualified, ethical loan modification service, I recommend you check out Cary Silberman, J.D. His team will evaluate the borrower's situation first and tell them whether they have a shot at a loan modification. If Cary and his staff think there's no chance, they'll tell you that and not take a dime. If they are very confident that they can get the borrower's loan modified, they'll take it on and only charge a reasonable fee for it. To me, this is a great combination of a valuable free service (initial review of borrower's situation) combined with a well-priced loan modification negotiation service. Here's his blog: http://debtmagician.blogspot.com/