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Can you recommend a company specializing in mortgage modifications?

HSH.com

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.

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