Here is the interest a homeowner will pay after the 5th year in a 5 yr fixed loan modification To read an Important Message from: FDIC Chairman Sheila Bair
to Homeowners about loan modifications (click here)
Dear Homeowners,
If you are in one of the estimated two million families that will lose their home to foreclosure in the next year, this message is for you, please click here for more detail
What we allow ourselves to focus on is what tends to transpire in our life.
Therefore the question we must continuously ask is, “do I want more of this in my life?” — if the answer which comes back to you is anything short of “YES!” then you need to shift your thinking to focus more on those things and experiences . Add 1 point per year until it reaches a cap set by Freddie Mac's PMMS (see above chart)
that you do want to see occur in your life.
Awareness and knowing when our thoughts are no longer serving us helps to move us in the direction of the goals we have set for ourselves and is an important part of getting back into alignment, back to the place and doing those ongoing actions which are required of us if we truly wish to see our dreams through to completion.
It’s your life, LIVE BIG! Josh Hinds 
*Josh Hinds is a motivational speaker who specializes in teaching on Overcoming Adversity and how life’s challenges be our greatest teachers. Watch a video presentation of Josh in action at http://www.getmotivation.com/speaker