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Home Affordable Modification Program Guidelines 2009". The Loan Modicication Process. Sunday, November 15, 2009. Mortgages are modified to the benefit of the borrower in one or more of the following ways: Reduction in interest rate, or a change from a floating to a fixed rate, or in how the floating rate is computed. Reduction in late fees or other penalties. Lengthening of the loan term. Capping the monthly payment to a percentage of household income. Subscribe to: Posts (Atom). Loan Modification: Mortg...
