WHAT'S A LOAN MODIFICATION?

A loan modification is a process in which the lien holder “ bank, lender, or investor” changes the terms of your mortgage note so that the payments are more affordable for you. Generally this is in the form of a lower interest rate with a fixed loan program.

Loan Modification changes can include the following:

Reducing the interest rate.
Extending the term of the loan.
Changing the Adjustable Rate to Fixed.
Lowering your Principal Balance.
Combining any of the above.

A Loan Modification will give you a fresh start, bringing your mortgage up to date after capitalizing any delinquent interest, escrow, late fees, and other costs. Acting quickly should be your number one priority, as we will need to develop a plan, document your current financial situation, and contact your lender to begin negotiations on your behalf.

About 1 out of 10 home owners face loan problems. In today's economy any of the circumstances below are not uncommon.

		Do you have problems making the
		payments on your home because the interest rate has gone up?

		Are you trying to refinance, but cannot
		because the value is just not there anymore?

		Are you delinquent on your mortgage
		payment?

		Making less money than you did last year?

YOU DO NOT HAVE TO BE BEHIND ON YOUR MORTGAGE TO QUALIFY!

We are the home loan modification experts. We offer loan modification service to help homeowners who may be experiencing difficulty in making monthly payments on their home loan. We have over a 95% success rate in helping homeowners save their homes.

Our Expert Loan Modification Team has been doing hundreds of loan modifications each and every month, working with virtually every bank, mortgage lender and loan servicer nationwide.

We have many employees that have worked for the mortgage litigation departments at some of  the larger lenders and banks. We have contacts to to the right people and know the right process in which they each operate. This enables us to negotiate the lowest rate for your loan modification in the most expedited manner as possible..

We have open lines of communication with most lenders, which gives us the ability to negotiate directly with the person who is in charge of making a decision on your loan.

Our goal here is to help you the homeowner, relieve your stress, and
keep you in your home.

In the past, banks would only allow a consumer to take advantage of a loan modification in the most extreme cases. Recent changes in the mortgage industry have caused lenders to allow loan modifications for high interest rates, adjustable rate loans, delinquent payments, negative equity, foreclosures, and more. REMEMBER you do NOT have to behind on your mortgage to qualify. Foreclosures are rapidly increasing, and banks are overwhelmed with all of the delinquent loans. They are unable to attend to everyone that needs help. Many homeowners get lost in the shuffle, and are forced into an unnecessary foreclosure because of it. Our Modification specialists use a combination of modification plans and develop a personalized strategy to lower your rate and payment, and if need be stop foreclosure. In many instances, we are able to negotiate a lower loan amount for you.   If you are still unable to make payments at this lower interest rate, we will negotiate with your lender to extend the amortization period, modifying the loan amount to a more affordable level. A Loan Modification will change your existing mortgage note and give you a fresh new start in managing your home.

Call us today so we can start working to save your home.   

800-385-7591

We have many modification strategies to keep you in your home.

We Pre-Qualify your Loan Modification before charging you a dime. We are NOT here to take your money we are here to save you money!  We are here for you. 100% Money Back Guarantee.