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Ken Said:

I would like to know about getting a Loan Modification with a company out of state or deal with my mortgage co?

We Answered:

I have not heard of a single legitimate loan modification company. Not one.

You should just deal with your company yourself. I started my second one for a relative last week, the bank was calling me within 72 hours of me mailing my stuff off to them. I expect we will have a deal within 2 weeks of starting.

You will never hear from that other company. Kiss your money good-bye and call your lender, ask for their modification package.

If you are looking to modify your principle (what I am doing) you may as well get the property appraised now and send that along.