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I recommend those who are in the process of applying for loan modifications get in touch with a nonprofit credit counseling organization specializing in these situations, or with NACA.com, which has a strong track record of helping borrowers obtain home-saving modification agreements at low or no cost to them.
Tara-Nicholle Nelson is author of "The Savvy Woman's Homebuying Handbook" and "Trillion Dollar Women: Use Your Power to Make Buying and Remodeling Decisions." Tara is also the Consumer Ambassador and Educator for real estate listings search site Trulia.com. Ask her a real estate question online or visit her website, www.rethinkrealestate.com.
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Real estate market recap, July 27-31