The rule of thumb, any unrecorded instrument which includes the actual security instrument (mortgage/dot), assignment or modification agreement needs to be an original document.

How do you know which companies are legitimate? If the company is legitimate, would they have a better chance of getting a loan modified versus the home owner?

Thanks

Years after the real estate meltdown, U.S. regulators are finally catching up to all of the loan modification companies that scammed these distressed homeowners out of millions.

Hassles are inevitable which is why the self education process about the seemingly mundane points is so vital (to me).My application form is a work in progress.

@Bryan Gamble and @Michael Jobe, yes, it is a WordPress theme that I've customized and done a few custom coding modifications to.  

I would work out a payment plan and maybe do a modification for them on my own.

The specific modifications that one needs to make are very area specific.

I do agree that taking the RE Brokers course is very important to start with in this industry because it teaches you not about wholesaling, but overall real estate principles that will be very vital to you building any type of sustainable career within this field.

For those that disagree, study IndyMac's loan modification results (Catitlyn, I know you have seen them!).

Having that team is vital to free me up to focus on finding opportunities for ourselves and our clients.