Any property owner having trouble paying their existing mortgage and who wants to keep their property is a great candidate for a Loan Modification. Lenders loose money in a foreclosure and the shear number of foreclosures have overwhelmed the lenders, lenders will work with borrowers that are having trouble paying their mortgage because it is mutually beneficial. The most likely candidates are borrowers that are currently in an adjustable rate mortgage, have a high interest rate, are upside down on their home, and/or experiencing any kind of hardship, but who can make a monthly payment.