In addition to the excellent government website stated below. Read this article published last month on Bloomberg.com - FICO Web Site May Help Homeowners Seeking Loan Modifications. http://www.bloomberg.com/apps/news?pid=20601103&sid=aJ7j…
There are other resources named in the article to assist you.

Good luck,
Michele

Pat,

Check this website http://www.makinghomeaffordable.gov, its the official website where you can check whether you will qualify for the modification or not. There service is free for loan modification, you dont have to give anything for your loan modification.

If you want to get advises on loan modification, you should contact your loan agent for consultation. Remember nowadays there are many scams on loan modifications, so be a savy consumer.

If you are living in Southern California, maybe you can checkout http://www.foreclosurebabble.com. Foreclosure Babble offers free consultation with trusted advisors.