Mortgage Modification (loan officer, credit, refinance, loan)

[RyalsCreek]

I tried to refinance a few months ago, but my home value wasn’t high enough and my fica was too low, about 690, no complaints because the value was in line and my fica credit was accurate. I have been told to pursue a mortgage modification with my current lender. Should I deal with a local loan officer from the bank of my current loan or deal directly to the lender’s home office? Does it make a difference? I sometimes get suspicious around those who seem too eager for a commission.