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Four million homeowners in the United States will be rescued from foreclosure through President Obama's Loan Modification Program funded through the Stimulus Package. Banks and mortgage lenders are receiving financial incentives for writing home modification loans in order to stem the rising tide of foreclosures. How can you benefit from this part of the Obama Stimulus Package? A lower, more manageable monthly payment that is no more than 31% of your gross monthly income. Lower Interest Rate, as low as 2% on the first mortgage and 1% on a second mortgage. Extended terms, possibly up to forty years. Waiver of late fees. Past due amounts financed into new loan. Actual forgiveness of loan principal. Most significant, of course, is avoiding FORECLOSURE. The lenders are motivated through the incentives from the Obama Treasury Department to do loan workouts, so if you meet the qualifications, it is very likely you will receive the mortgage assistance you need.