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WE WORK WITH SEVERAL LAW FIRMS THAT SPECIALIZE IN LOSS MITIGATION. WE ARE DEDICATED TO HELPING HOMEOWNERS WITH UNMANAGEABLE MORTGAGE DELINQUENCIES THROUGH LOAN MODIFICATION.

Today, borrowers are faced with problems of adjusting arms and declining values. They find themselves in tremendous financial misery finding solutions to keep their homes and prevent foreclosure. According to a research made by Credit Suisse 44 percent of loans with adjustable rates became at least 60 days delinquent within a period of eight months. The solution is a reduced interest rates or principal. This is supported by a study that on the average, only 15% and 23% of loans with lowered interest rates and reduced principal balance, respectively, were more than 60 days delinquent after eight months.

Lenders are currently swamped with calls from homeowners with mortgage problems. Over 3 million U.S. homeowners are currently behind on their mortgage payments, and lenders face pressure from every side to find a workable solution to hold off foreclosure. Long-term modifications resulting in affordable monthly mortgage payments, allows distressed homeowners to keep their home and lenders and investors recovering more capital than in a foreclosure is a win-win situation. However, most lenders do not have sufficient personnel trained to deal with these situations. If you have previously dealt with your lender and was not able to get any positive feedback, nor was able to sit down with them to discuss your plight, then it’s time for you to give us a call! We can bridge you with a highly experienced loan modification attorney today who will help you save your home, your budget and your credit.

Our primary objective is to help homeowners regain back their financial stability and keep their home by putting a stop to foreclosure through loan modification. This may mean lowering and freezing your interest rate for the duration of the loan or reducing the balance as compared to the current market value of your property. Another advantage that you may get from loan modification is the deferment of payments and interests to the back side of the loan thereby keeping your account current.

OUR CLIENTS ARE ASSISTED BY EXPERT LEGAL TEAMS AND A BATTERY OF LOSS MITIGATION SPECIALISTS EQUIPPED WITH UP-TO-DATE MARKET TRENDS AND REAL-ESTATE REGULATION LAWS.

An attorney-based loan modification program can remarkably help you with your mortgage problem. It is no doubt that attorneys are taken more seriously and are better negotiators. Our loss mitigation and legal team will carefully examine your loan documents and financial situation. They will package, propose a workout solution based on your financial capacity and vigilantly present your documents to your lender/bank. Their expertise in the field of loan modification will ensure that the entire process is in compliance with the different local, state and federal laws. This will force the bank’s Loss Mitigation Department to analyze your situation (based on the documents prepared by us) in order to modify your loan that will be agreeable to both parties. Do not take a miniature and temporary offer from your lender until you have sought professional help. Our attorneys have the expertise in finding violations of your rights. Our policy is to debilitate all loss mitigation tactics and approach just help homeowners save their homes.

OUR SUCCESS RATE IS AT THE HIGH OF 97% AS WE DEAL DIRECTLY WITH OUR CONTACTS IN MOST OF THE LENDERS’ LOSS MITIGATION DEPARTMENT.

We are here to educate and give homeowners a fresh start by improving their financial situation. With our main goal of providing you a long-term relief from your mortgage problem through affordable monthly payments, we are pressured to represent you the best way possible. With an attorney as your collaborator and partner, you’ll get the result that you want fast! Phone calls get answered and requests granted. An experienced loss mitigation attorney will readily know if there are any Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA) or predatory lending violations in your contract, and will use this knowledge to your advantage. If this is the case, our lawyer could threaten a shakeout of the loan or litigate, and this will prompt the lender to return ALL fees and interest paid through the loan.

We are confident that we will be able to beat out any loan modification your lender will offer you. The Loan Modification Department of any bank is among the toughest department to deal with. Many banks and lenders will not negotiate with anyone but experienced professionals. Unless you have the negotiation skills, your case will not be prioritized as they deal with tons of modification applications. Your case will be presented with a thorough analysis of your current situation including proposed solutions, that will move your papers to the top of their list. The loan modification process that we take has been tested, researched and developed by our loss mitigation team who has established relationships with lenders, bankers and large financial institutions. We will demand a balance reduction if you are upside down, an interest rate reduction, first payment deferment for a few months, and, if requested, a change in the terms of the loan (stretching out the repayment period) to further lower the payment. Your lender will be willing to negotiate with us with the understanding that there will be no more defaults in your modified loan. Loan Modification Departments will pay attention and act out when properly approached. Results will definitely be generated to your advantage. Act quickly. Call us today for your FREE consultation and pre-qualification.

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