House is becoming the important part of our life because we need the shelter and asylum to stay everyday in the night. Because of that importance, we need to have one especially when we have family to protect as our responsibility as husband and father. Though many people need house but the fact there is only small number of people who are able how to buy house because the house price is not easy to be afforded. But we know that there is a loan named mortgage loan to buy house by paying small amount per month for particular period of time such as a year, five years or more. Many people use this way to buy house for them and it is very nice scheme until the result of problem which comes from sub prime mortgage started at 2007. This issue has affected lots of financial institutions and therefore lots of them refuse to give any mortgage loan anymore even for the normal level, not the sub prime condition. To settle with the problem of mortgage in their account then some people try to get a mortgage loan modification comes from the creditor. You can try this and ask your creditor if available. Modification is needed when everything doesn’t work as planned.