Donald and Lakissa are like a lot of people just starting out. Donald served in the Navy and had learned about telecommunications. He got a good job that was nearly recession proof in the mobile phone industry. He loved knowing he was working with cutting edge technology. Without him and people like him, those iPhones everyone uses would be worthless. Lakissa got a job in a small office and had been promoted to office manager. The decision to buy a home had been an easy one. They took an adjustable rate mortgage that so they could live like they had always dreamed. Surely in two years they would be making more than they were now.

Lakissa noticed things were slowing down at work. Her boss told her she would have to cut her staff in half. After a few more month’s she was called in the owner’s office. He said he was very sorry, but he was closing the business. He had lost money for a few months trying to save the company but it just wasn’t working out.

Luckily Donald had steady work. The company he worked for was rolling out new system after new system and it wasn’t likely to end for a long, long time. She looked for work but there wasn’t much available. Her unemployment helped but they felt the belt tightening.

Then the strangest thing happened. They cut Donald’s hours. They said it would be temporary but after 6 months he was still only getting 30 hours per week. They depleted their savings to keep up with the bills. Then more bad luck. Lakissa slipped and cut her finger deeply while preparing dinner. They had to go to the emergency room. They had planned to put Lakissa on Donald’s insurance but had never gotten around to it. They had to pay cash which caused them to miss their first house payment. What else could they do?

Donald became very sullen. He didn’t laugh or joke any more. He hardly talked. When he did, it seemed like he was blaming Lakissa for cutting her finger. At least it seemed that way to her. Of course she hadn’t done it intentionally but she still felt bad because she was having doubts if Donald still loved her.

She suggested they talk to the bank about reducing their loan. Donald had laughed at her, asking her what she knew about banking or getting a loan modified. This hurt so bad she didn’t even try to argue that she had been an office manager, she wasn’t a dummy but she really didn’t know anything about getting loans.

She suggested they talk to a loan mod specialist. Now Donald acted disgusted. He had heard about the loan modification scams. He’d been fool enough to buy the house, he wasn’t going to be a fool and lose even more money.

One day while Donald was at work Lakissa found a do-it-yourself loan modification course. It was more than a book, it had a video and audio recordings. It said it came with an unconditional money-back guarantee. It was a lot of money, nearly $200. On the other hand, their home was worth $250,000. If they could learn enough to save it for $200, it would be the best $200 they ever spent. She wasn’t sure what to do next. Like you, she wanted to buy the course and learn everything she could before she talked to the bank but she was afraid what Donald would say. He might even laugh at her again.

Should Lakissa go ahead and buy the course? Should she ask Donald or tell him afterwards?

Which ever way she goes, she is right. She needs some help. If she decides to go it alone, it would be crazy to try to save their home without learning about loan modifications first. Their home is the largest investment anyone ever makes. If you find yourself in a similar situation, please either get a professional to help you out. If you can’t afford a specialist, at least take a class or get an online course to teach you everything you need to do to save your home. Otherwise you have to trust the bank to do the right thing for you. Do you think they treated you fairly when you got the loan? If they had, you wouldn’t be in this mess.

If you would like to watch a video review of www.60-MinuteLoanModReview.com. Good luck in saving your home!