What are the real chances of me getting a loan modification?

Let’s start off by being practical: You are in one of 3 classifications: 1.Early delinquency (30-90 DQ), 2. Extremely delinquent (91-181 or Charge off) and 3. Current. Early DQ (30, 60 and 90 DQ): These are the early stages of ANY default group. Remember, all of this is handled in the ‘servicing’ group. Loan files [...]