Figuring out how a home loan modification works for you.

This is how it almost always should go. It is not going to be in their interest or even yours to waste any time if you find that you do not qualify. If your home is in or near the foreclosure stages then time is your most important commodity.
If the service figures out that you are going to be likely to qualify for a home loan modification then the next step is going to be gathering up all your documentation from the applicant. This typically will consist of collecting pay stubs, copies of any tax returns, any of your recent home appraisals, current loan information you have, and any various other types of documents to support your application.
After all of these documents are organized and your financial lender has been informed of your intent to get a federal loan modification then the negotiations phase finally begins. This is where having some experience can really make a difference. Knowing what the available options are, the ones that actually apply to your case, and what you should be anticipating as a reasonable outcome can be very much worth paying for.
When the negotiations process is finally over with you are going to be presented with the different results and your options. At this point in time you are going to have the option of choosing a loan modification or going with some other solution. Keep in mind that nothing about your loan modification is going to be set in stone and can be re-negotiated in the future.
Home loan modification services are becoming the industry standard solution to foreclosure. Even if you choose a professional loan modification service or take on the do-it-yourself route it is going to be up to you and your confidence levels within your ability to get yourself a great outcome. If you find that you are in the process of choosing exactly which service you should use then browsing through the information found online may familiarize you with how the process works and what you should expect from it.