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Besides being a great alternative to foreclosure, mortgage modifications are the least invasive mortgage debt solution. They offer an array of benefits including lowering your payments without taking out a new loan or having to give up the home. Although mortgage modifications do bring some great things to the table, they aren’t for everyone. Depending on conditions with your home and your financial situation, you could find that a mortgage modification isn’t going to provide the kind of help you need. Furthermore, there are other options available to you, such as refinancing or a short sale, that could better suit you.

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