Can you recommend a company specializing in mortgage modifications?
No, we're not in a position to do that. You should know that "loan mod scammers" are everywhere; before you consider even talking to one you should read this warning from the FTC: http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea16.shtm
After that, why not check out the new site from Fannie Mae --
http://www.knowyouroptions.com/ -- which will help guide you through the process... including ways to get in touch with HUD-backed housing counselors who can help.
Also, there's always http://www.makinghomeaffordable.gov - the original location to find help and resources.
More help from HSH.com
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The salary you must earn to buy a home in the 50 largest metros
Can I use a USDA-backed loan to purchase a manufactured home?A USDA-backed loan may be able to be used, but there are a number of restrictions.
HSH.com on the latest move by the Federal ReserveThe Federal Reserve concluded a meeting today with a quarter-point change in the federal funds rate, but no changes to other monetary policy tools.
Home price recovery index: Which metros have improved the most, least?Have home prices in your area fully recovered from the declines suffered during the Great Recession, or are they still struggling to make it back to the peak it reached before the crisis?