When Eddie called us he was 2 years behind with a past due amount of $42,730. When he lost his job he had fallen behind. He recently received a new job and could afford the monthly mortgage payment. The problem was there was no way he could pay the past due amount of $42,730. We explained that his best option was to get a loan modification that would put his past due amount onto the back end of the loan. So we worked hard on his case and we just got Eddie a loan modification from Nationstar Mortgage. He now has a 2% loan for 5 years which then steps up to a permanent 3.875% fixed rate for 25 years.