Many of my clients who purchased their homes over the past 4-5 years are now looking for a method of lowering their existing mortgage payments as they see their investment drop dramatically in price.

Rick Rubin of Rubin & Licatesi P.C is a founding member of the American Association of Loan Modification Professionals.  His office are leaders in obtaining loan modifications for all price range of homes and it is certainly worth a call to discuss your own personal situation.

I recently posted an article on Rick's own Blog "Keep Home Your Own.com"  entitled "Forewarned is Forearmed" which includes a recent video clip from ABC news outlining several Loan Modification Scams and the reasoning as to why you should always use an attorney to represent your case when seeking a modification to your mortgage payments.