[Moe Bedard]

But also keep in mind that if you do try to get a modification on your loan the lender is going to modify it with the Principle, interest, taxes and insurance all included in the new payment..........
Make sure before you accept a modification if one is offered that you will be able to afford that new payment.........sometimes because they will not modify into an interest only payment again the payment amount goes up instead of down.........
so just double check what a modification will do for you.............