Loan Modification 100% Guaranteed

Loan Modification is arguably the most effective tool you can use if you are behind on your mortgage and in midst of a financial hardship to save your home from entering foreclosure. With a loan modification, the mortgage loan is restructured so that it is affordable and can fit comfortably into your budget rather than being an overwhelming monthly drain on already tight finances.

Our experienced attorney can provide a safety net to protect your interests and negotiate on your behalf. We also provide you with expert advise so you can make the right decision.

A loan modification can be complicated and frustrating. Having a legal staff that is dedicated to negotiating the best possible resolution is of the utmost importance during this stressful time. Our attorney and team work with you and organize your loan modification proposal in such ways that it makes the bank want to say yes in a timely and beneficial manner.

We will ensure that your lender works with us in order to provide you with a loan modification settlement that works for your individual situation.

To understand what a loan modification will actually do for you, consider the following facts:

A loan modification is indicated when the original loan that is secured by a residence has terms that make it impossible for the homeowner to continue making the payments, thus risking the loss of the residence.
Loan modifications are not the same as debt consolidations, refinancing loans, or even forbearances. Instead, they are long term solutions for rising interest rates or other hardships that are threatening to overwhelm the budget of a homeowner.
Loan modifications stop foreclosure proceedings and instead reinstate the loans as they are being modified.

There are some other facts that explain why lenders are actually in favor of working with borrowers and their legal specialists in order to negotiate equitable loan modifications.

All or portion of the outstanding principal and interest, past due escrow, late fees, and even costs may be rolled into the loan modification and thus will not be lost revenue to the lender. Since they are spread over a long period of time, they do not pose a problem to the borrower.
Modified mortgages may use a step rate approach or an extended term methodology to provide for the repayment of the due and past due funds. The lower payments ensure the repayment by the borrower while to the lender the added time is actually money in the bank in terms of yet to be earned interest due.
Foreclosure is avoided and even though banks routinely foreclose on properties and sell the homes to other buyers for a fraction of a price, the slowing housing market has made it difficult for banks to unload such properties and then recover any additional funds from the previous homeowners. Loan modification is a fiscally much more attractive solution for any lender.
A modified loan protects the credit rating of a borrower and it also helps lenders in showing less defaulting loans in their portfolio. This of course makes a good impression when the financial institution is wooing potential investors.

If you think you qualify,

Who qualifies for a loan modification?

Anyone who can prove they are having a tough time. Especially those who are currently a few months behind, those with negative amortizing loans, those with loans that are about to adjust, those who are upside down on their loan and those who would rather keep their home than do a short sale.

Basically, the bigger the hardship you are having, the more negotiating power you have with your lender. Remember, they don't want to foreclose on you. They would rather keep you in your home and create a solution that will be affordable to you rather than go through the cost and expense of foreclosing on your property.

It’s guaranteed!

And remember, if your lender denies your loan modification application, our Company will return the fee to you. There’s no risk to you.

There is NO OBLIGATION. We keep your information 100% private. There is no credit check and no social security number required.