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On a Making Home Affordable loan modification, you have to be approved twice. First, when applying for a "trial modification," a three-month period designed to see if you can manage the new payment schedule, and second for a "permanent modification" after successfully completing the trial period.

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Prior to co-founding FBC Mortgage, LLC Joe was the S.V.P./ District Manager for First Horizon Home Loans, a nyse listed company from October 2003 until November 2005. Joe was a shareholder and Vice President at American Heritage Mortgage Corp. from June 1989 until October 2003.

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