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	Frequently Asked Questions What is a Hardship? Will a Loan Modification hurt my credit? I was told I needed to be late on my mortgage in order to be considered for a modification. Is this true? I currently have a prepayment penalty; will I have to pay this? Do I need to qualify in regards to Credit Score and Income proof? Can I modify my 1st & 2nd at the same time? How long does the Loan Modification process take? Why would my lender agree to a short sale or loan modification? Why shouldn’t I negotiate with my lender directly? How do I qualify for a loan modification or short sale? How long does a loan modification take? Fact: It is much, much cheaper for a lender to modify your existing loan than it is to foreclose on your property or to lose your business to another lender.
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