The modification and consolidation agreement is for the housing loan customers of the New York. The people who purchase residential properties in New York through loans are required to pay a mortgage tax as a state rule of New York.
The modification and consolidation agreement is valid legal program which helps these home loan borrowers to avoid this mortgage tax. To avoid the payment of this tax, the loan customers can apply for modification which can be done from their lending institution. There are few banks and lending institutions who do not honour this policy. But most of such organizations do honour this state government policy, and even provide means for wavering of mortgage tax to its customers. This agreement consolidates a new loan with a previous loan and this offer is valid for only those customers who after selling an old residential property purchased new one.
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