Loan Modification
Apr 18th, 2009 by admin
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Are You:
Currently Facing a Home Foreclosure But Want To Keep Your Home? Behind On Your Mortgage? Struggling To Make Your Payments?
Do You:
Owe More Than Your Home Mortgage Than Your Home Is Currently Worth? Have An Adjustable Rate Mortgage? Not Qualify For A Refinance?
If you answered “YES” to any of the above, would you like to:
- Lower your mortgage rate
- Lower your monthly payment
- Lower your principal amount owed
- Save your home, or
- All of the above
A Loan Modification Could Save Your Home
You have just found one of the few legitimate loan modification companies in the United States that is 100% legal and 100% safe, and it could help you stop foreclosure and stay in your home.
A loan modification is a legal arrangement designed specifically to help you keep your home. A loan modification will lower your monthly payments and your interest rate, help you avoid foreclosure and help you stay in your home.
Best of all, you won’t pay any money up-front AND you’re fully protected with a Money-Back Guarantee.
Common Questions About Loan Modifications
- What is a Loan Modification?
A loan modification is the legal process by which the terms of a mortgage loan, i.e. interest rate, monthly payment, principle amount owed and/or number of months for repayment, are changed to more accurately coincide with the current financial circumstances of a homeowner. The process is legal and is only done with the approval of the lender.
- Is a Loan Modification right for me?
If you are facing a rising adjustable interest rate, if you have fallen behind on your mortgage or foresee falling behind on your mortgage due to financial hardship, or if you are ‘upside-down’ on your loan (owing more on your mortgage than the current market value of your home), then a loan modification could be right for you.
- What Happens During the Loan Modification Process?
During the loan modification process, your loan’s terms, like the interest rate, monthly payment or the length of the loan, can be renegotiated to match what you can pay. If you can’t afford to make higher payments on your mortgage, our team of attorneys will negotiate with your lender to keep the lower payments.
- Can I Do This Myself?
Anything is possible, but realistically speaking, it is extremely unlikely that an individual borrower could learn enough to successfully complete a loan modification within the normal time constraints of an active foreclosure. If you’ve already tried talking to your lender about a “workout”, then you know how indifferent and uncooperative they can be, so trying to learn enough to do it yourself is not something most intelligent people would want to knowingly bet their house on.
Seriously, the clock is ticking. If you’ve already received your Notice of Default, you have LESS THAN 90 DAYS to get this done or you and your family are on the street, literally. Every minute counts; you have zero time to spare and there is no learning curve. You either do it exactly right or you lose your house, period.
So the real answer to the question “Can I Do This Myself?” is “why in the world would you ever want to risk it?” Why not trust a group of professional real estate attorneys who specialize in negotiating loan modifications with lenders for a living?
- Is This The Same As Debt Consolidation, Debt Settlement Or a Mortgage Refinance?
No, loan modifications are completely different from debt consolidation, credit counseling or a mortgage refinance. If you are in foreclosure, are “upside down” - meaning you owe more on your mortgage than the property is currently worth, or have been unable to qualify for a traditional refinance, a loan modification may be the right solution for you.
- How Do I Get The Process Started?
In order to begin, simply click the “Get Started” button below and fill out our online form located at the link “Apply Now” on the right menu. One of our representatives will contact you and walk you step by step through the entire process.
- How Long Does It Take?
Every case is different because every borrower’s particular financial scenario is unique. It is possible for the entire process to be wrapped up in only a few weeks, or it may possibly take several months. However, it is important for you to understand that during the process you WILL remain in your home. Our attorneys will negotiate with your lender to keep you in your home during this time.
- Does Everyone Qualify For a Loan Modification?
Unfortunately, not everyone will qualify for a loan modification. The most common reason is that people run out of time; they will wait too long to get started, hoping for a miracle, and by then it’s usually too late and nothing can be done. This is why we can’t stress it enough - ACT NOW - DON’T DELAY - NOT EVEN ONE DAY. And if a loan modification is not an option for you, our experts will explore every possible avenue to save your home and your credit.
- When Is The Best Time To Do Something About My Adjustable Rate Mortgage?
RIGHT NOW - TODAY - RIGHT THIS MINUTE! Time is of the essence in these matters. The faster you act to control your situation, the faster you will work your way out of it. The longer you wait, there are less options available to you.
- Do I Have Enough Time To Stop My Foreclosure?
We’ve said it before: Time is your worst enemy in this situation. The foreclosure process operates on a specific timetable and you currently fall somewhere on that timetable. The only way to find out if you have enough time to stop your foreclosure is to contact us RIGHT NOW and then our experts can evaluate your situation and let you know if we can help.
Things To Be Aware Of Regarding Loan Modifications
Did you know that many loan modification companies are charging money up-front just to determine if you qualify? Don’t let any company charge you up front for a service they can’t guarantee to deliver.
By applying below, you will find out if you qualify for a loan modification COMPLETELY FREE. There is no fine print or hidden fees.
We will determine if you qualify for a loan modification, without having to pay a dime. We guarantee a free, straightforward, honest and legal answer.
Ready to see if you qualify for a loan modification without paying a dime? Click the link below, select “Apply Now” on the next page and fill out the secure, confidential, SSL-encrypted form to get started.