Financial institutions are not in the home sales business. They are in the money making business. With all the foreclosures taking place in the United States right now, can you imagine the frantic situation these institutions are in? They are in a situation where they must help the homeowner. You need to feel hope in being able to restructure your mortgage loan. By applying for the AZ loan modification, at least, you will have the ability to start over. The key is realizing that you must live somewhere. It may as well be at home.