Steve, I know of a reputable Loan Mod company that have attorneys do them. The analysis is free to see if you qualify for a Loan Mod with a 85% - 95% certainty that they can complete it. If they can't complete the Loan Mod within 180 days they will refund your money.

And yes homeowners can do Loan Mods themselves but there is such a backlog that they'll lose their home while they wait on the bank. Might as well let an attorney do the work for you. Attorneys seem to be able to make the Banks act quickly! These attorneys charge $2,100 and only do Loan Mods in CA, NV, WA and OR.

Kingdom Era Asset Management Solutions
http://www.keamsolutions.com