Home Mortgage Loan Modification Processing



Home Loan Modification Processing
Information and Resources for Loan Modification Processing

Loan Modification Processing

Our Loan Modification Processing department will handle every aspect of the negotiation, and prepare a comprehensive loan modification package for the lender, including but not limited to:

* Financial Prospectus Workout. Detailed to include all income, assets, and all payments you make, down to every cost. This allows a realistic view of  financial abilities to be sure you can continue to make the home payments for years to come once the loan is restructured.

* Full Financial Package prepared for the Lender including:
          - Letter of hardship
          - Cost/Benefit Analysis to the lender
          - Homeowner's Financial Analysis 
               verifying payments you can afford
  
*Unlimited Negotiations with the existing lender and their attorneys

*Loan Restructuring Proposal. Requests for specific terms on the new loan. Our request is carefully discussed with you, the homeowner so that you are happy with the new loan.
  
*Representation on your  behalf in dealings with your Lender
   
*CMA. Comparative Market Analysis of the home. We also do a cross analysis of homes currently listed on the market and in foreclosure in the surrounding area.

*Full-Time, one-on-one customer service for your Status Updates

A loan modification is a change in the loan contract agreed to by the lender and the borrower. The modifications of major concern today are those designed to reduce the payment burden on borrowers faced with impending rate increases that will make the mortgage payment unaffordable to them and those who are currently behind on their payments. Many are sub prime borrowers.

In most cases, the decision on a loan modification is not made by the firm that owns the loan. It is made by a firm servicing the loan under contract to the owner. The owner could be a single lender, or it could be a group of investors who own pieces of a mortgage-backed security collateralized by a pool of loans. 

Whoever the owner, the servicing firm is contractually obligated to find the solution to payment problems that will minimize loss to the owner. If the lowest-cost solution is a loan modification, great -- everyone involved prefers a loan modification to foreclosure. But if a foreclosure would generate lower costs for the owner, the decision will be to foreclose. The cost of foreclosure to the borrower does not enter the decision.


THE DECISION IS FAR FROM CUT AND DRIED, AND IT CAN BE MATERIALLY AFFECTED BY WHETHER AND HOW THE BORROWER PRESENTS HIS CASE.

Perhaps the most important factor affecting the loan modification decision is the amount of equity the borrower has in his property. If the borrower has enough equity in the property to pay any deferred interest plus foreclosure expenses, foreclosure is almost bound to be the lower-cost solution.

Equity depends on property value, which we are much better positioned to know than the servicer. We  can easily find out how many houses in your clients neighborhood are for sale and what the trend has been in recent sale prices. In a weakening market, it is easy for the lender to overestimate value, and we will help to prevent that from happening to you.

Servicers fear that if they are liberal in granting modifications, borrowers who don't need a loan modification will seek one anyway. They protect themselves against this by entertaining modification proposals on a case-by-case basis, while placing the burden of proof on the borrower.

Borrowers must accept the burden of proof. In addition to the data on property value, they need to document that they cannot afford the payment increase that is pending, and they must document exactly what they can afford.

For this purpose, we will calculate your total debt ratio: the sum of mortgage payment, other debt payments, property taxes and homeowners insurance as a percent of their gross income. This number should be calculated now, what it will be after the rate adjustment, and what you will be able to afford.

Servicers have a self-interest in minimizing modifications because they add to costs. They try to minimize costs by computerizing the servicing process to the maximum degree possible, and standardizing customer support procedures so that low-paid and easily trained employees can perform them.

Modifications must be handled by a special group who are more highly trained and better-paid, and the increased costs from expanding their number cuts into the bottom line. Hence, there is a tendency to be non responsive in the hope that the borrower will go away. If a servicer says they will call you back … forget about it. You need to have our staff members call them...... and call them constantly. They will lose your paperwork, fail to return calls, put you on hold, and then hang up. It's what they do. We will keep fighting, calling, faxing. This does work! Indeed, it takes some time and effort but the rewards can be huge for you.  We know what to do in order to get the best possible results for your loan modification.  Why go anywhere else?  Submit your form with us and we'll consult with you on the possibilities for your loan modification. 

A loan modification is a permanent change in one or more of the terms of your loan creating a brand new contract between you and your lender. We will work with the lender to create a new contract that will reinstate your loan and give you a fresh start by restoring your credit status.

Ways your loan can be modified
What terms a lender will agree to largely depends on your ability to pay and what would make the most economical sense for both parties.

Adding the delinquent balance to the loan. Rather than require payment up front, the lender may choose to add the balance owed to the new loan terms ensuring you will eventually pay it back.
Reduce the interest rate. You’ll need to prove that a rate reduction can positively affect your situation and allow you to resume making timely payments.
Extending the years due. By adding years to the loan, the lender is able to reduce the monthly payment knowing that they will recover the amount later on.
Reduce the balance owed. Under some circumstances, the lender may elect to reduce the balance of the loan. To do so, they’ll want to be absolutely sure you will be able to make the new payments.

don't wait until it's too late.

Get a FREE loan modification analysis with us today.
Secure home loan modification is easy.
Request your mortgage modification analysis now.
Find out if loan modification can help you.
Submit our form.


This website provides a free service to homeowners looking for loan modification help under government programs and is not a government website.
Free service for home loan modification is limited to information about home loan modification and free online analysis for home loan modification. Free online analysis for home mortgage loan modification to determine how much you could save.  Free information and service to qualify for loan modifications under the help for homeowners plan will help you learn about the loan modification programs available today. We are a fee based service but pre qualifying for loan modification is free.  It is a free loan modification analysis which can determine if  you can benefit with our loan modification service. Free loan modification services are available, read about Free loan modification services and programs here.  Guaranteed results with our loan modification service. When it comes to negotiating home mortgage rates for loan modifications we're experienced professionals . Due to the high volume of applications for home loan modification lenders are so busy that it can be almost impossible for a homeowner to get results on their own. Using a fee based service such as ours gives a tremendous benefit to homeowners seeking loan modifications. Many lenders have specialized representatives for loan modification companies such as ours.Enjoy lower monthly mortgage payments and lower home mortgage interest rate with loan modification.  Since we work with lenders on a regular basis, we are able to negotiate home mortgage loans to your best advantage. This means you have an increased chance to succeed with reducing home mortgage interest rate and payment by using our loan modification service.  Explore the possibilities of loan modification and see what the home loan modification program could do for you. Submit our online form for free analysis. It's just a few questions and only takes a minute. Be sure to provide correct information in your contact details and a representative will follow up on your mortgage loan modification analysis results.  When you have the results you can decide if it's worth it to you to proceed.  Experience tells us that you'll be happily surprised with the results from using our service for your loan modification. With the lower interest rate programs available  you can't wait another day. We do not give legal advice, contact an attorney if you  need legal assistance.




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We can Help !

- Reduce your interest rate
- Lower monthly payments
- Fix your interest rate
- Prevent foreclosure
- Get you back on track
- Save your home!

Home Loan Modification
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This website is not affiliated with any government organization or program.
                                                                        
                                                                               
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Get Started !

Submit the online form.
Find out if loan modification will work for you.

Please answer the questions carefully and provide us the most accurate information so that we can get you the best answers concerning a loan modification for your home.
Help us to help you...... We're not asking for sensitive information, just accurate numbers so we can give you accurate expectations.
Homeowners nationwide are feeling the relief and benefiting from success with the home loan modification program..... Are you ready to find out how it can work for you?  We have expert negotiators ready to help you make it happen.
Submit your loan modification information request now.

Prior to the Obama Mortgage Plan, lending guidelines made it nearly impossible for struggling borrowers to access lower interest rates through refinancing and home mortgage loan modification was unheard of. The Obama Mortgage Plan has changed lender guidelines and provided incentives for lenders to refinance loans at low or no cost to borrowers. Homeowners  are encouraged to take advantage of the special refinance programs and home mortgage loan modification programs or other home loan modification plans offered under the  Obama Mortgage Plan.
                Help is Here!
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Home loan modification processing information about Mortgage Help for Homeowners Under the  Obama       Mortgage Loan Modification Plan.   Learn About the Processing of Loan Modification Applications.
Resources about home loan modification process and information about the mortgage loan modification processing. Information about  how loan modification works. Find out how to qualify for loan modification. 
Information about loan modification programs...Help for homeowners and making homes affordable programs.
Could loan modification help you? What IS Loan Modification? Find out here.
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             Home Loan Modification Information and Home Loan Modification Resources and Services
                                                                        
                                                                               
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