Let’s just say it: not everyone’s credit is perfect. Maybe you missed a payment (or five), had a rough patch, or your credit score just doesn’t feel like showing up to work lately. We get it. Life happens. So, can you still get a loan modification with bad credit? Yes – you absolutely can.

With inflation still doing its thing (and by “thing,” we mean not going away), interest rates hanging out at decade highs, and the cost of everything from milk to lightbulbs creeping up, many homeowners are feeling the financial squeeze. If your mortgage payment has started to feel like climbing a mountain – with no summit in sight – it might be time to consider a loan modification. Here are 5 signs it could be the right move.

When you’re struggling with mortgage payments, a home loan modification can be a lifeline – but there’s a lot of confusion out there. Let’s clear up some common myths so you can make informed decisions and breathe a little easier.

Let’s face it—keeping up with your mortgage isn’t always easy. Between rising costs and life throwing curveballs, it can start to feel like your home is more stress than shelter. That’s where a home loan modification can make a real difference.