Table of Contents1. Don’t Confuse Loan Modification with Refinancing!2. What You Need to Know About Loan Modification3. Tough Questions You Need To Ask Yourself before Requesting a Loan Modification on Your Mortgage4. Approaching Your Lender about a Loan Modification5. Asking Your Lender for Loan Modification Help6. How to Negotiate a Loan Modification7. Writing a Hardship Letter8. Buried in Paperwork: The Forms you’l need to apply for a LoanModification9. How a Loan Modification May Affect Your Taxes10. The Loan Modification Timeline