Is anybody did a loan modification with Provident Funding?
I would like to do a loan modification. Some people saying you have to be late at least 2-4 month, some saying need to be current.
I wonder how Provident Funding will work with people? and is it possible to do a loan modification with them? Is a short sale an option? How long would it take until they kick us out of our house?

im not shure but for example i have a house ive been there for 10 years i go to the bank and tell them i have 10 thousand i want to put to the loan and make a modification, i owe ten thousand less and they also lower my house payment about 150 a month , i dont believe being late has any thing to do with it. ask the bank