If you’re a homeowner, don’t get taken advantage of by mortgage-modification scams. Here Alex Charfen, CEO of Distressed Property Institute, LLC, explains mortgage modifications as an option for distressed homeowners, and what to expect when entering the process.

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I am one of only a small group of Realtors nationwide who has achieved the CDPE (Certified Distressed Property Expert) designation. If you know someone who is in trouble, please call me. I can help.