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[Music] the purpose of this video is to just go through kind of the four main pros of a loan modification and the three main cons of a loan modification these are conversations i have frequently with borrowers who are kind of looking at their situation as a whole trying to determine what option is best for them to pursue so a loan modification can be a benefit because it obviously resolves the default on the account if you can get approved and fully execute a loan modification with your bank that will just allow you to resume making regular payments and the lender will be able to mark you current in their system they will remove a default status from your account they wont add any more late fees because you wont be missing payments anymore and so if youre a borrower whos in one of those very stressful situations where you know youre behind on your mortgage if you can get approved and get back on a loan modification and afford those new payments the default status on your account