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With the crisis in the housing industry and the current downturn in the economy, loan modification has become a very hot topic. After all, now there are thousands of Americans that are facing foreclosure on their homes. Of course listening to the news and the current actions in the Homeowner Affordability and Stability Act of 2009 from Congress gives homeowners hope that they can renegotiate their home loan and get a home modification that will provide them with lower payments and a way that they can keep their home.

However, there's a catch with this that many people don't know about. That is, homeowners have been told to try to contact their lenders themselves and renegotiate their terms. However, for many, this leads to frustration and does no good at all, since these companies don't seem to want to help.

Although there is help available today for those who are facing foreclosure, actually getting that help is what can be so difficult. Most homeowners in danger of foreclosure end up trying to get a hold of the bank on their own and they do so without the help of an attorney. In many cases people have found they are never able to get through to a live person or they spend hours on the phone trying to get something done without any success.

Many homeowners desperate to avoid foreclosure have reported their inability to contact their lenders for a loan modification with no success. Many have spent hour upon hour on the phone, putting up with automated responses, being put on hold, and being passed from person to person in their particular company with no final resolution at the end.

At the end of the day they are met only with frustration and no hope in site. One story done by ABC News even highlighted one Congresswoman trying to help her constituents get the loan modification they needed, only to have the same run around, hours on the phone, and still no results.

One positive note to this is that there is indeed help for those who want to modify their mortgages and stay in their homes. However, they're probably not going to be able to get that help by themselves. Even if you are a homeowner who has only met with frustration and resistance in previous attempts, you may still be able to avoid foreclosure on your home and have a solution to this problem.

If you want to find a way to get a loan modification and avoid foreclosure, you need professional help. If you've tried it and haven't gotten results by yourself, you need a professional that can help you get the results you need. One of the best ways you can do this is to find a company specializing in loan modifications; it should have experience and it should give you a free consultation upfront, the first time you meet with the company and describe your specific circumstances to them.