Are you a borrower who is constricted by the current economic crisis and finding it difficult to make the original terms of your home loan? You may wish to consider one of the Federally backed modification programs.
To meet the conditions for a loan modification under HAMP (Home Affordable Modification Program) you must:

1. Be the current owner of a home or condo unit
2. Must have an unpaid principal balance on the home less than $729, 751
3. Be the borrower on a first lien mortgage originated on or before January 1, 2009
4. Have a monthly payment > 31% of your monthly gross, and
5. Can provide proof of financial hardship

All loan servicers owned or guaranteed by Freddie Mac or Fannie Mae must participate in the program, although non-HUD or Freddie Mac backed loans are still incentivised under the program and may provide you a modification opportunity.
Home loan modification programs will reduce your monthly payment to 31% of your gross, enabling you to reduce your payment by hundreds of dollars each month! If you can keep to the modification terms you will receive additional bonuses, such as $5K off of the principle after five years of constant payments.
Contact your loan servicer, if they have not contacted you already and request the home loan modification paperwork.
While you are processing the modification all foreclosure activities must be stalled under the new Federal Terms so if you are facing foreclosure act today.
If you are in the Dallas Ft Worth area and are searching for dfw loan modification companies then you are on the right track.
The Internet is a useful tool for assisting individuals with their information and "shopping" needs.
The Dallas Fort Worth area has many such companies willing to provide assistance in your time of need.
No one should have to fear foreclosure and proactive steps, such as loan modifications, are exactly what you need to get a handle back on your finances.