Life happens:  A sick family member, loss of job, or unexpected expenses can cause you to fall behind on your mortgage.  Fortunately, there are ways to help you save your home.  One of the first steps is to get a loan modification.  A loan modification is a permanent change in one or more of the terms of a homeowner’s loan, which allows the loan to be reinstated and results in a payment the borrower can afford.  Lenders allow you to request a change to the loan in the hopes that you could start making the payments again.