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A professional Medical Answering Services company provides medical call answering services for doctors, contractors Cheap Cordarrelle Patterson Jersey , property managers and service companies. Visit to know, about Flat Rate Answering Services@ There seems to be no apparent bright light at the end of this mortgage fiasco tunnel as Washington's loan modification program failed miserably according to St Louis loan modification and reduction specialists.

Approximately 1.24 million borrowers who have enrolled in the $75 billion mortgage modification program have dropped out or been kicked out as it were.

The 338,000 who have paid their mortgage payments on time were happily upgraded to the permanent loan modification level.

Still Cheap Ja'Whaun Bentley Jersey , those in Washington are saying that the housing market overall is better since Obama has been in office.

Yet, these bailout programs have only helped big business and not the average person. Those turned down by these programs are told to go to their banks or elsewhere for help. Can you say legitimate principal reduction?

Sad to say, St Louis loan audit experts expect most of these consumers to end up in foreclosure which makes this bad economy worse.

From the very beginning these programs were destined to fail. Most do not realize that Washington pushed for banks to sign up borrowers who needed help without demanding proof of income. Does this practice sound familiar?

In time Cheap Jonathan Jones Jersey , banks were required to get this information from the thousands who had already qualified for help. Most were now disqualified or voluntarily dropped out knowing they would now be turned down.

Then came the war between the borrowers and the banks. Side A said the banks and their servicers lost their documents. Side B fervently said that these borrowers were not sending back their paperwork or it was not properly filled out. Right or wrong, in the end, the banks won.

But this only gets worse. There have been thousands of homeowners who vigilantly made their home payments on time but were still removed from the federal assistance programs.

Such mistakes are inexcusable and put homeowners unnecessarily at risk of losing their home due to bank employee incompetence.

The U.S. Treasury now requires banks and servicers to get two recent pay check stubs from these individuals although these changes really never helped the confused homeowner.

Consumers are also required to give the Internal Revenue Service the right to provide their most recent tax returns to lenders and servicers at their request.

This no doubt had an affect on the number of applicants. There were over 100 Cheap Josh Gordon Jersey ,000 monthly applicants in the summer of 2009 compared to only 30,000 in May 2010.

This is not good news for our economy since the new wave of St Louis foreclosures will expand as more and more homeowners drop out or do not apply for federal assistance.