This document discusses options for homeowners struggling with their mortgages, including short sales and loan modifications. A short sale allows a home to be sold for less than what is owed on the mortgage. Loan modifications can reduce interest rates, payment amounts, or extend loan terms to make mortgages more affordable. The document provides checklists of required documentation for short sales and modifications and explains how forensic loan audits can help identify issues making homeowners eligible for more favorable terms.