It's very real. Make sure you use a verified source though. I would check with your Better Business Bureau or community city hall etc for a list.

Modifying your home will cost you at least 50 points on your credit score. But hey, that's much better than a foreclosure, you know?

Here in Miami they had a blitz (ends today) and had over 50,000 homeowners modify their mortgages. Many received 3% for 30 years.

I'd read the small print though, there may be exclusions about how soon, or if, you can sell the house, etc....

If you need it, check it out. But do so today, the end time might be Federally set.