A modification can save you — or trap you. Know which before you sign.

Main AI reads your loan-modification or forbearance offer and flags the real new terms, capitalized balances, balloon payments, and rights you may be giving up.

Analyze my loan modification free → Try a free tool first

Every finding quoted from your document

The law cited, not invented

Next steps prepared for you

What Main AI finds

What we catch in your loan modification

Capitalized arrears

Past-due amounts rolled into principal raise your balance — and total interest.

Modification principal terms

Balloon payments

A lower monthly payment now can hide a large lump sum due later.

Balloon / deferred balance

Rate step-ups

Teaser modified rates that climb on a schedule after the first years.

Rate adjustment terms

Waived rights

Some modifications ask you to waive defenses or claims against the lender.

Release / waiver clauses

Trial-period traps

Trial plans where one misstep voids the whole modification.

Trial Period Plan terms

Escrow & fee changes

New escrow requirements and fees that change your real monthly cost.

Escrow / fee terms

How it works

Three steps. Under 60 seconds.

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Upload your document

PDF, paste, or screenshot. Any format, any length. Main AI routes it to the right analysis instantly.

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Get findings in under 60s

Every finding quoted from your exact document — never invented. The relevant law, dollar impacts, and severity included.

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Act on what's prepared

Letters, disputes, and next steps drafted and ready. You review, you send.

Analyze your loan modification for free.

Upload your document now. Main AI finds every issue, cites the law, and prepares everything ready to act on. Free to start — no credit card.

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Every finding quoted from your document · Never trained on your data · Results in under 60 seconds