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we here at the Santos team understanding your needs in todays market we are a team of consumer orientated professionals and our goal is to help individuals in their financial hardship now most homeowners dont realize that lenders dont want to own homes lenders actually want to help you and thats why they have worked out options that you may be able to qualify for Im going to share with you with some of those options are and give you a brief description of each number one would be a loan modification a loan modification is considered when a homeowner wants to keep their home but due to an unavoidable hardship the home may be in jeopardy or foreclosure this program can allow changes to existing terms of the mortgage for example monthly payments interest rate in the maturity of the loan in most cases the best the past you amount can be rolled into the balance number two would be a forbearance agreement if a variance agreement is considered when a loan has become past due because of t