If you live in Arizona and currently owe more than your house is worth, you may be a candidate for a loan modification.  If you are current on your payments, expect the lender to tell you "no" when you call them to see about a loan modification.  Does this mean that you should give up?

No.

Now there is a way to get your loan modified without the aid of a lawyer. Sure, if you want, you can always go hire a loan modification lawyer and have him help you - but many homeowners want to do their own loan modification and save thousands of dollars that the loan modification lawyer would charge them.

Find out how to do your own loan modification now.