br Loan modification service providers meticulously analyze a homeowner's financial situation, determine best possible options, help with accurately completing all of the necessary paper work, and negotiate directly with the lender.br br This is valuable to you as a homeowner for the following reasons: br Your interest rate on your existing loan has the possibility of being lowered. br Your interest rate may be converted to a fixed rate instead of a variable rate. br Your repayment for the mortgage loan may be lengthened. br Your balance of the entire loan may be reduced. br Your credit rating is not ruined by a foreclosure. br You save your home.br br Lenders do not want your home, they make money by lending money, not by foreclosing on homes. With the assistance of Janian & Associates, you can successfully restructure your mortgage and keep your home from foreclosure.