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If you are looking into doing a loan modification there is no need to pay the high fees that these companies are charging. This is all work you can do on your own. The following link is for a site that offers Do it yourself Loan Modification DVD and forms for you to do it on your own. I have been a mortgage professional for over 9 years now and you can do a loan mod yourself if you are willing to spend the time to save money and your house. To view please click at [please contact me for website address]