Real Estate Law
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Your friend may qualify for the Home Affordable Modification Program (HAMP). Please see here: https://goo.gl/e6itbE
That website has the application instructions, eligibility requirements, etc. If your friend does not qualify then she can still apply for loss mitigation with the lender itself, because it may have its own program that she qualifies for.
Does that answer your question? Please let me know if you need clarification, as I am happy to continue helping you until you are satisfied.
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