Due to prevailing economic conditions, many borrowers have become delinquent or are on the brink of becoming delinquent on their mortgage loans. This has forced lenders to foreclose their loans. But as the number of foreclosures has increased substantially, the prices of real estate properties, especially homes have come crashing down, making foreclosures a non-viable option for either the borrower or the lender. This has prompted some borrowers to request lenders for mortgage loan
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