Loan modifications are the best way to save your home. To receive a loan modification you need to demonstrate a hardship that caused you to get behind on your loan and a current ability to pay. Most loan modifications are denied several times before being accepted, so it is important to provide a complete application, together with suggested terms you would accept and a breakdown and verification of your ability to pay if the modification requested is granted. The entire process demands tenacity and perseverance and a strategic and targeted approach to meet your goals.