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My name is Brad Long and I am an account executive for a loan modification company. my job is to train small banks and mortgage lenders on our modification services. I will give you a free consultation to see if you will be approved and advise you the best I can with you situation. Many home owners quailify for these modifications not just those who are in trouble and behind on their mortgage payments. If you have not missed any payments but cant refinance because of your debt to income ratio or youre self employed and cant prove income or maybe your homes value is lost, you still have an opportunity to get approved. Please contact me if I can be of assistance