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Loan Modification (For those already LATE on payments) Lenders are known to be difficult when it comes to loan modifications but if you're behind on your house payments and can show that lowering those payments will make the home affordable again, you have a great chance of getting back on track with your lender. Did you know that lenders benefit at least as much from the process as you do? With the new help for homeowners programs, you can get your late payments made up and have a fresh start with you lender and your lender gets incentives from the government programs by helping you get back on track. Everybody wins. Loan Modification (For those still current with their payments) Most people getting results with modifications are already late with house payments but there are plenty of people still current with their payments that need help too. People are choosing to miss payments in order to get good help with loan modification.