Everyone, please beware of a Russian woman named Lana from EZ Mortgage in Eldersburg, MD. I trusted she could help modify my loan and ended up losing 4k and my loft (in which I had over 100k in equity). The endless promises from Lana delayed my ability to sell my house and recover my equity. At the end I learned she had never contacted my bank and never filed the injunctions on the foreclosure. PLEASE BEWARE... I'm posting a website called stoplanapopok.com feel free to pass along the information.