Homeowners who have suffered hardships in the past who have found ways to rebound financially are getting help through the loan modification process. Unfortunately, it is quite often a long process fraught with mounds of paperwork and numerous turndowns. If you are behind on your mortgage or falling behind, the time to get help is as soon as you know you are going to be delinquent. Most of the mortgage servicers are understaffed overworked and are masters at the delay tactics. It is in their best interest to string you along and to keep collecting service fees.
If you want to save yourself a lot of time and aggravation, hire a professional!