LOAN MODIFICATION – THE MORTGAGE RELIEF YOU NEED

What does a loan modification mean for you? A borrower can request a loan modification from the lender due to his/her long-term inability to repay a loan. Loan modifications typically involve a combination of the following: a reduction in the interest rate on the loan, an extension of the length of the term of the loan, or a different type of loan entirely. Generally, a lender might be willing to modify an existing loan because the cost of doing so is less than the cost of default (foreclosure or short-sale).

HOW WE CAN HELP YOU NOW

Our trained professionals will assist you in providing the appropriate information to your lender to negotiate the proper steps to modify the term(s) of your mortgage. In addition, our negotiation professionals will apply tried and proven strategies in order to secure a reasonable and advantageous loan modification from your lender. This could result in some combination of these three options: lowering the interest rate, lowering the principal balance, and/or extending the term of the loan. The obvious goal is to lower your payments by any or all of the three options. There may be costs and fees associated with a modification that you will be responsible for.

REASONS TO CONTACT US NOW
We can help with all of the following options:

• Lower your payments
• Lower your interest rate
• Fix your rate (on adjustable mortgages)
• Negotiate a repayment plan
• Seek forbearance (The act of a creditor who refrains from enforcing a debt when it falls due)
• The options can potentially be combined with one another and are applicable to both 1st and 2nd liens
• You DO NOT have to be late to apply for help!
• You CAN be in the foreclosure process and still apply for help!
  

WITH ALL THESE OPTIONS AVAILABLE THERE IS NO REASON TO LOSE YOUR HOME! AS A HOMEOWNER, YOU HAVE RIGHTS AND WE’LL HELP YOU FIGHT FOR THEM! WE ALSO HAVE RELATIONSHIPS WITH EXPERIENCED REAL ESTATE ATTORNEYS TO ASSIST WITH THE MORE COMPLICATED LEGAL MATTERS AND PROCEDURES.

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