There are a variety of resources you can explore for finding the best loan modification advice.
First, you will want to understand a little more about your loan. Using your monthly mortgage statement, gather the terms and conditions of your loan (e.g. Years / Interest Rate / Fixed), and have these with you when doing your research.
Next, you will want to find who the investor is on your note. Oftentimes, the bank on your mortgage statement is a mortgage servicer, and they are servicing your payments for someone else (e.g. Fannie Mae, Freddie Mac).
Once you have located the investor, you can begin research their websites for loan modification options pertaining to your loan. If you have trouble finding your answers, there are many non-profit companies who will provide valuable advice and you can find them by searching for non-profit loan modification companies on the internet.
There are strong, reliable for-profit companies, which can provide you with advice for loan modifications, but they typically are more centered around executing the modification for you as opposed to simply providing advice.