I have completed over 2 thousand loan modifications myself and I can tell you from experience that if you do your own modification it will take one quarter of the time verses paying someone to do it. Let me give you an example. I have a girl that works in our office. She knows well the process for doing a loan modification and is the co-author of our product. She herself was in need of a loan modification and submitted to her lender a modification package using the steps in ModificationProfessor. She got a loan modification in one week. This is NOT typical for someone who pays an attorney or real estate professional. How do I know that? Because I am a real estate professional with over 15 years expierence and we are averaging 90 to 120 days just to get a modification done at all. From every indication I have seen, the lenders want to deal with the clients and not deal through a third party.