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Attorney Based Loan Modification
With nearly 30 years of combined Loss Mitigation Experience there are few lenders we can't do a favorable modification with. We work directly with ALL Lenders and loan servicing agents by using our extensive networks and alliances. We have in house Real Estate Attorney's and litigators who will help negotiate with your lenders. If you are unable to make your current payment, have an adjustable rate or a balloon Mortgage that is about to explode, your property value has dropped, or you are behind on your mortgage payments, we may have the solution for you.
What we Do for You
- Convert you adjustable rate mortgage (ARM) to a low Fixed Rate Mortgage
- We will work with the lender to reduce the interest rate based on YOUR personal need
- Re-amortize current loan to benefit the borrower, Not the bank - by adding time to a loan, you are increasing your payback period and giving more interest to the bank, even though your payment may decrease. However this lower payment is better for you
- Reduce principal - Principal reduction occurs when the loan balance is reduced from the original amount, the current loan amount or the capitalized loan amount
- Eliminate Past due Payments - We work to eliminate past due payments and prevent them from being added to the backend of your current loan
- Eliminate Past due Payments - We work to eliminate past due payments and prevent them from being added to the backend of your current loan
- There are several reasons why a Short Sale or a Deed in Lieu of Foreclosure may be the best option
Our Modification Specialists will use one of these strategies or perhaps a combination of strategies to develop a personalized program to lower your rate and payment, and in some cases a principal reduction and, if needed stop foreclosure. In many cases, we are able to negotiate a lower overall loan amount for the homeowner.
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 start in managing your home. Your account will be brought up to date immediately.
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