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I have paid someone to do a modification for my mortgage, he is not a lawyer nor a mortgage broker. He has told me that he made a "deal" with the bank. That I had to pay the bank $2,500 by 3/31 (which I did) and then another 10g in 45 days. The mortgage would be re instated with 55 thousand taken off the mortgage and the arrears put on the back end of the mortgage. Is that a mod??
PS my monthly mortgage payment will stay the same, which I was hoping to change!!!!