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Step 6 Finalize the approval and begin making payments

Be sure to follow the instructions that come with the final loan-modification documents. Often, a notarized signature and the return of the documents by a specific date is all that is needed to complete the process, but each case is different.

The most important advice to keep in mind is to read all of the directions and follow them as explained. It would be a shame to lose all of your work because of an oversight at this stage.

After you submit your final loan-modification paperwork, all that is left is to continue making payments according to the new agreement.

Congratulations, you have successfully modified your mortgage.

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