Startup Seeks To E-Modify Home Loans Millions of Americans keep losing their homes to foreclosure. And these days, wherever a problem exists, somebody is bound to start a technology company to try to fix it. That's where eModifyMyLoan.com comes in. The startup company says its software can help homeowners facing foreclosure get their payments lowered. One of the founders is Chris Mozilo. His uncle Angelo started Countrywide — the mortgage company many blame for triggering the foreclosure crisis.