Mortgage Loan Modifications

Have you or has someone you known been hit by job loss, market downturns, medical problems or other hardships and face the real and dreadful prospect of losing your home? Literally millions of people have lost their home through foreclosure and an estimated 2.5 million more more will do so this year alone unless something is done. You are not alone and you should not be embarrassed to seek mortgage relief through loan modification.

There is REAL HELP AND HOPE. Through a Loan Modification you can avoid foreclosure and get a new lease on your financial life. With the latest mortgage relief bill passed by the Federal government, you can qualify even if you owe more on your home than it is worth on the market today. There are other factors that are also taken into consideration, but there has been no better time than the present to get help and get back on a stable financial path with your home whether with the mortgage relief bill (stimulus plan) or through other loan modification programs available. Credit score is not a factor.

The process is simple. All the work is done for you. You do not need to be afraid...unless you do not take action. The problem will certainly not go away by itself. Most likely it will only get worse, and foreclosure is not something you want to endure. Do not wait another moment to speak with a loan modification specialist --

A LOAN MODIFICATION is a change in one or more of the terms of your mortgage loan(s) that allows the loan to be restructured. That means a change to the terms of your existing loan with your current lender. The changes to the terms that can be made are the interest rate, the length of the loan and even a reduction in the principal – all without having to qualify to refinance the loan. Whether you are currently late, will be late, or are struggling because you cannot refinance and are having trouble making your mortgage payments, chances are excellent we can help.

We work to:

  1. Lock Lower Interest Rates

  2. Reduce Monthly Payments

  3. Reduce Principal Balances

  4. Extend Term If Necessary

  5. Restore Credit Ratings

Do not be misled. Not all loan modification companies and programs are the same. Our partner is a group of professionals that has specialized in loss mitigation exclusively for almost 8 YEARS. They have a success rate of over 95%, having negotiated successfully with virtually every lender we've been given. They know the right people to contact and how to get it done.

Our program is designed to repair your credit score at your option. We all know that good credit is more important than ever. With a better credit score you will get better rates on car loans, credit cards, home insurance, etc., and that means keeping more money in your pocket every month. Having successfully removed every type of negative credit, most people see results within 30 days. Routinely these negative factors are permanently removed:

  • Tax Liens • Judgments • Slow Pays • Repossessions • Charge Offs

  • Collections • Foreclosures • Bankruptcies • Wrong Accounts • Child Support

In comparison, most loan modification companies have popped up in just the last 3-12 months. Most are not specialists with years of expertise behind them. They may only negotiate a short-term modification instead of a long-term solution, if they are successful at all. They do not have the relationships built with lenders over the last 8 years. NOTE: You only get one shot at this; make sure you get it right!

  1.Stop you from losing your home, even if you are already in foreclosure proceedings.

  2.Get you out of your current loan and into new terms.

  3.Put you on the path to financial recovery by also addressing your credit (optional).

  4. Get your mortgage balance back in line with the current value of your home.

We help most people CUT THEIR MONTHLY MORTGAGE PAYMENTS BY A THIRD TO ONE-HALF AND MORE, INCREASING THEIR MONTHLY CASH FLOW.

Each loan modification is a unique negotiation based on each person's individual circumstances. Each situation is analyzed to see which program is best for you.

 •Do you have an adjustable rate loan (ARM)?

 •Do you have a fixed rate that is 2% above current fixed market interest rates?

 •Have you been late on your mortgage, currently are late or will be late?

 •Do you owe more than your home is currently worth?

 •Do you have the means to pay back your mortgage at a reduced rate?

DON’T BE A STATISTIC! Your home can be saved. You can get a more manageable mortgage. Call for a FREE ANALYSIS. Be informed and get help you can trust. Call (303) 346 2285 now.

If you have a friend, family member, co-worker or other acquaintance who needs help with a more manageable mortgage payment, please tell them about us. If anyone can help, WE CAN!