[rainelli]

I just wanna ask what are the requirements in getting a loan modification?

[Loss.Mitigation]

Great question!
There are several types of modifications and different situations that would qualify you,
Also in taking a good look at your loan you may find you dont need a loan mod to bring the payments down, Recently I brought a payment down by $200 monthly just by changing the insurance co. and getting a lower premium.
I'd be glad to go over it with you and qualify you or give you some options FREE of charge.