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There are still some copyvios on this article, but the user has requested the opportunity to remove them. -- PMDrive1061 ( talk) 09:41, 19 January 2009 (UTC) reply

Believed to have removed all copyvios on this article. Please let me know if I have missed anything. Thank you. Trina Maeser 16:06, 21 January 2009 (UTC)

I added a generic background section and a section on the 1930's mortgage modification and left the remainder of the article intact. I think the article is overly specific on details of some 2009 mortgage modification proposals, I think it will balance out over time. I also think it would be interesting to see if any non-US mortgage modification programs could be described here. patsw ( talk) 15:23, 24 March 2009 (UTC) reply

This article seems to be particularly attractive to people who want to advertise their services in offering or acting as intermediary in loan modifications. There's a Wikipedia policy on external links applied to advertising, as well on conflicts of interest and spam. Such external links will be deleted. If those sites contain material which could be contributed to the article in accord with the Wikipedia's polices, let's discuss it here. patsw ( talk) 17:03, 24 March 2009 (UTC) reply

I've culled some more spam links and semiprotected the page to try and keep the spammers out. Ϣere SpielChequers 12:32, 5 December 2017 (UTC) reply

I'm not enough of a Wikipedia veteran to know how to mark this material properly for further review, but I will leave this note...

The following makes a number of unreferenced claims and seem to be part of an editorial or opinion of a contributor rather than part of an encyclopedia with a neutral point of view:

"Even amongst reputable refinance organizations, the fundamental education of the house owner is not stressed. [Reference please. Education to what standards?] Some may even request struggling homeowners to pledge their time to become politically active [another unreferenced claim]. The controversy exists between personal integrity and the concept of a 'right to homeownership'. Many euphemisms are used to implicitly stress the concept that homeownership is not the result of a lifetime of effort but a government-given right. These euphemisms like "HOPE, relief and Save-the-Dream" as used above in naming or implementing the loan modification programs. The origins of the word 'mortgage' is a death pledge—a concept that perhaps even exceeds the common view of personal integrity. [Once again, many claims without references. Suggests loan modification as a left-right political struggle. Even if partially true, reads like an opinion piece. Insinuates possibly that borrowers should suicide or be killed for not paying the mortgage, or that was the original standard long ago and in stark contrast to recent government "euphemisms"]

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