– FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live loan modification teleconference] Ryan: Also, the question about people subsidizing your mortgage. That also applies to others too. Ryan: Okay, new question. Doug, do you need to call and speak to your lender about a loan modification or can you just send all the paperwork by mail? Mike: Oh, good question. Ryan: A couple things. One, the only people you only really have to talk to are extremely low level minions and then eventually - Ryan: Yes.