We will stop your foreclosure, stop the phone calls, keep you in the home, lower the interest rate, lower the monthly payments and absorb some of the delinquent payments back into the loan. All at NO RISK to the homeowner of loss or further damage during resolution of the home mortgage loan modification. NO RISK to the homeowner because a REAL ATTORNEY will be handling your stop foreclosure or loan modification, not just some John or Jane Doe in an office somewhere trying to become a loan officer. Services by an attorney mean that legal steps needed can be addressed so you are protected throughout the process.  Protect your home during the loan modification or stop foreclosure process, don't lose your home. Hire an expert to take care of the details in this important process.

Homeowners that are late on their mortgage are most likely to get a loan modification approval. But not too late because once in a foreclosure it is very difficult for the homeowner to get a modification.  Therefore the best results are for homeowners that are less then four months behind but late at least for the current payment or one month late. So many homeowners are behind today and it is very easy to help them with loan modification. Many more homeowners are struggling to keep up with high payments and are in definite need of relief but because they're current with the mortgage payment they are not being considered by most lenders for loan workouts. From a lenders perspective, if you're making your payments then you're making it ok with your finances. Many people are struggling to keep up, day by day more of these people are giving up on keeping up and hiring an attorney service to negotiate alternate loan terms instead. The result is that the homeowner comes out ahead in the end because savings can be dramatic and the financial burden upon them is eased. The whole concept of the stability plan for homeowners was just that, give the people a chance to catch up and have a little relief too.....it's an opportunity for homeowners to have relief from mortgage payments during the restructure of the mortgage loan. There becomes a time that missed payments are expected and when they resume, payments are lower and more affordable to the homeowner. That's the government plan about making homes affordable. Miss a few payments if you need to recover from any financial hardships and hopefu

Yes,  we are usually able to skip at least one month’s payment in the process of the modification.  Many times when customers come to us they are already late on one or more payments.  There are cases when a homeowner wants a very fast modification but when there is a hardship going on, a little time is what's needed to get the problems resolved. This means that a more lengthy loan modification process is desired.  It is expected that a homeowner already behind on their payments is experiencing financial difficulty. With help from an attorney, these customers can experience better and faster financial recovery by missing payments during the loan workout process. When loan modification is worked out direct with the lender this opportunity is less because the lenders like to get some kind of payment from the customer. When a loan modification or stop foreclosure is done by an attorney the proper steps are taken to see that the homeowner is protected from any further action by the lender during the course of the modification. The result is an extended recovery time for the homeowner to get their finances together so that when the modification is completed they will be ready to begin anew.  Hiring an attorney service to handle a loan modification brings protection for a homeowner all around and when the new lower house payments start the homeowner is better prepared to maintain them thanks to the "time off" from mortgage payments during the attorney workout of the mortgage loan. 

No. A repayment plan  takes delinquent payments and breaks them into equal payments to be added onto the current mortgage payment. If you couldn't afford the payment before, how will you be able to afford it with an additional payment on top of it?

No. A deed in lieu of foreclosure essentially is an agreement between homeowners and their lender where the homeowner gives back their home to the bank and walks away. The homeowner does not get to live in the house any longer. They do not want this option. There is a better way.....it's called Loan Modification and it's why you're here.

No. We are chiefly concerned about modifying the existing mortgage. Here is why: If you have very little or no equity in your home or if you have missed a payment in the past 12 months or if you have bad credit, refinancing would not be an option for you. But with a loan modification, we can lower the payment and interest rate even with negative equity, missed payments and bad credit.

This is the BIGGEST mistake made by many homeowners. Lenders are working for their best interest-NOT YOURS! They are trying to give you as little as possible, while getting the most in return. We have a proven plan of action that cuts through the red tape and secures  the best possible solutions for your needs.

Lenders only want to make the absolute minimum change to your loan and when you agree to loan modification terms there isn't a second opportunity to fix this.

Yes, in many cases, this is easier because you've maintained  good credit with the lender. If your ARM is getting too high, we can help lower and fix the payment and interest rate. You don't have to be in foreclosure to benefit from loan modification but these days, best results for modifying home loans is coming from those that are at least late by one payment, even if it's only one day late.

In most cases it takes 30 to 90 days. However, 120 days is common with lenders who are backed up like Washington Mutual, Countrywide, Litton Loan Servicing, etc. The trend lately has been much quicker with negotiated terms and modifications in 30-45 days. It is important to remember that each loan modification is unique and the time varies based on who your mortgage lender is and what your hardship details consist of.

One of the first steps with our loan modifications is to contact and notify your servicing lender that we are representing you and demand they cease harassing you. It often takes up to ten days for your lending company to acknowledge our settlement or loan modification requests.

Now more than ever, mortgage companies and banks understand that if they do not provide revised loan terms or settle for a portion of the debt to be paid that they will more likely than not get any money. Banking institutions are aware of the declining housing market. They know that at a certain point, they have to take what they can get. Most of them will settle very quickly, avoiding the cost of foreclosure and recovery actions. In the rare event that a creditor won't settle with our offer, they will return with a counter offer that will be favorable to you. There are many options to prevent foreclosure if you act soon enough.

If you can show evidence to your lender or loan servicing company that you have experienced a financial hardship, such as an adjustable rate loan that is about to reset to a higher rate, plus you currently have the income to afford a lower loan payment if given the mortgage loan modification, you are eligible.

Answers to the most common questions about Home loan modification. We're sure you've got questions about loan modification.....if you're like most people, you've got LOTS of questions.  So, we've compiled a lengthy list of questions and answers as well as Resources and  information about Mortgage Help for Homeowners Under the  Obama  Mortgage Loan Modification Plan.   Learn About Loan Modification for Home loans.  Resources about home loan modification and information about the mortgage loan modification programs. Information about  how loan modification works. Find out how to qualify for loan modification.