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hey guys uh the purpose of this video is just to answer a general question that i get a lot um which is what is the difference between a repayment plan and a loan modification um and so hopefully this will just quickly answer your questions as you kind of like decide whats best for you so typically my clients come to me when they have already defaulted on the mortgage meaning theyre behind lets say just for the sake of example someone comes to me four months behind and they say i want to keep my home i cant pay the full four months but i could now just resume making those regular mortgage payments and then they say something like i want to apply for a repayment plan or i want to apply for a modification and i think its important to understand kind of what those two things are generally and how theyre different so a repayment plan is is a repayment plan to get you current on the original mortgage that you took out and typically what that entails is the bank gives you a written agr