It's no secret that millions of homeowners have loan modification complaints. Many struggling homeowners complain about the relentless paperwork being lost in the abyss of their bank's fax machines. Several others who finally get temporary loan modifications fail to get permanent solutions. And moreover many millions of homeowners are still losing their homes to foreclosure.

With the help of the federal government, most banks make more money foreclosing on homes instead of approving loan modifications.

According to Jan Falstad in the Billings Gazette November 14, 2010 article titled "Foreclosure: The Right Questions," it's a little-known secret that banks can foreclose on a home and get back as much as 85 percent in combined insurance and federal subsidies on their losses after selling a foreclosed home.

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