. >> hi, i'm sharon coleman. i'm here with susan, the broker and real estate expert. discussing the real estate market for years now and you helped countless viewers. can you give us an update on the market right now? >> it's with loan modifications. >> is this modification at the banks we're giving years ago? >> yes, previously in 2009 under the government program, banks were giving out loan modifications that were 5 years. now they're expiring and with expiring loan modifications, payments are going to go up. still homeowners are struggling with being under employed or unemployed and higher payments could be challenging. >> working with a lender could be very challenging, it could be really frustrating for people. >> yes, i think frustration is an understatement. i have homeowners that are stressed out, they feel like they have bad information or they don't have answers. as an advocate, we can get to the bottom line with your bank. we can determine if the loan modification that's being answered is right for them in their situation. >> what's the bottom line? >> ever