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FIXnotes
June 11, 2026 · Robert Hytha

Structuring a Loan Modification

Most note investors know a loan modification is the goal — but knowing how to structure one that the borrower can actually stick to is what turns a.

Ep. 430:00
5:07
  • What you'll learn:

  • When a fully amortized modification makes sense — and why thirty years is the reasonable cap on term

  • How an interest-only modification keeps payments low enough for a struggling borrower to actually afford them

  • Why a step rate structure aligns both sides toward the same goal — getting the loan paid off sooner

  • The five things every modification agreement needs to include before it goes to the borrower for signature

  • How showing a borrower the per diem rate builds good faith and gets documents signed faster

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