www.thelegalloanmodification.info and register to see if you qualify for no charge. A loan modification will adjust your mortgage payments, according to your present financial condition, this is not a refinance.. Financial hardship due to loss of job or pay cut, facing foreclosure, your house is upside down meaning you owe more than the house is worth today. Your credit has nothing do with a loan modification. Watch our 2 films from MSNBC News and ABC Niteline. What are the qualifications …