In March 2009, the Obama Administration published detailed program guidelines for the Making Home Affordable (MHA) Program. Many mortgage servicers have begun loan modifications under the plan. But it looks like many homeowners may not be getting the help the they were promised and some are simply getting rail roaded. This forum is designed to discuss these issues with the MHA ands share with others your experience. This forum provides general guidelines and overview documents available to homeowners as well as an open discussion area to ask other homeowners about the loan modification process.

Loan Safe Alert: Option One is now American Home Mortgage Servicing. It seems that many Option One Mortgage/ AHMSI borrowers are struggling to get help and we have had many horror stories as well as success stories . Please tell us your story and see how Loan Safe can help.

NACA is America's #1 non-profit housing counseling agency and they are here to help struggling homeowners throughout the United States with their loan modifications and or mortgage refinance. If you are working with the Neighborhood Assistance Corporation of America, have question or issues, then please share them here. They will be working with LoanSafe.org in helping members get answers, identify issues and saving homes!

The time has come to open up all our free tools, forms and tricks that we have collected over the course of two years. In this forum you will find sample Qualified Written Requests, Income and Expense Sheets, Sample Forensic Mortgage Audits, TILA Rescission Letters and more. Please come share your forms and knowledge with the community. You must be registered with LoanSafe.org as a member to download and participate.

Need Help with a deed in lieu of foreclosure AKA Take this Home & Shove It! You are not alone. We thought we would add this section to the forum to assist the homeowners that have made the tough decision to walk away from their homes. This is America and you have the right to walk away from contracts and your home. The question is what implications will you suffer for saying, "Take this home and shove it, I aint paying you no more!" Find out the good, the bad and the ugly.

This section is dedicated to the homeowners who were facing foreclosure and fought back to win the battle against their lenders. I hope to add many more stories here as times goes by. Please let us know if you have a success story that you can share to give others encouragement to keep fighting!

Investors need help and they need it fast. The real estate investors forum is here to fill that need. Many have multiple properties, assets and retirement accounts that they want and need to protect. What's going to happen if you walk away? What are the tax and credit implications? Can your lender garnish your wages?