Do i need a Loan Rate Modification?

matt 0 asked: I live in San Diego and am falling behind on payments to my mortgage. I am in sales and have seen my income start to decrease. Im not to knowledgeable in Real Estate, but my Loan Rate is about to adjust and i have heard about these Loan Rates Modifications. [...]

When doing a loan modification to lower a rate that went adjustable. What debt to income ratios are they look?

alex G asked: in for?Loan Modification vs Refinancing