Save $$$ on your existing Loan!

Let our Attorney based Legal Team review your mortgage / loan and to see if they can negotiate it to better terms.

Get your Forensic Loan Analysis!

Loan Negotiation Can Help

The Loan Modification Act of 2008 was introduced by Congress to give homeowners who find themselves in default, foreclosure, or facing other financial difficulties, the means to have their loans reevaluated and rewritten to make them more affordable and easier to repay.

Our Legal Team will analyze your loan!

There are a number of criteria that must be met before a qualified loan modification or workout plan is implemented.

• The Loan Modification Act prohibits the causing of a negative amortization of the loan.
• It prohibits the requiring of the borrower to pay additional points or fees.
• It must improve the ability of the borrower to avoid foreclosure.
• The agreement must also provide a regular scheduled payment that is reasonable for that borrower.

Letting our Team negotiate your loan is arguably the most effective tool you can use if you are behind on your mortgage and in midst of a financial hardship to save your home from entering foreclosure. With a loan modification, the mortgage loan is restructured so that it is affordable and can fit comfortably into your budget rather than being an overwhelming monthly drain on already tight finances.

If you are under the threat of foreclosure or bankruptcy, you have to understand that it is a very serious matter. It may be a good idea to enlist the help of a Legal Team who is experienced in loan modification.

Majority of the home loans needing modification today are conforming mortgage loans made by big banks such as HSBC, CitiMortgage, Countrywide, Household, IndyMac, JPMorgan, Wells Fargo, Washington Mutual and Bank of America and based on Fannie Mae and Freddie Mac guidelines. If you are behind on your mortgage and do not see any relief in your near term future, you can benefit from a loan mod. Act now since time is really not on your side.

What is a Loan Negotiation?

• It is a permanent change in one or more terms of an existing loan, allowing the loan to be reinstated or adjusted, creating a lower payment and/or reduce what was owed on the original loan.
• Interest rates lowered and/or fixed
• Payments lowered
• Loan balance lowered or eliminated!
• Or any combination of these

This is done by a Legal Team NOT brokers, not agents, we do not deal with the Bank Loan Modification Dept.  Our Legal Team deals directly with the Banks' Attorneys to work out the details.

Is This Very, Very, Very Needed NOW?

• 9 Million homes currently in foreclosure with that number expected to double
• 85% of ALL loans created from 2002-2006 have some type of infraction or violation in them
• Historically record number of homes whose values are LOWER than mortgage amount owed
• This saves the You and YOUR home
• This will stop foreclosures and short sales
• This will equal the refi boom
• This will fix our economy, get help and tell everyone you know to contact us so we can do a FREE Analysis

Are you a likely candidate?

Here Are Just SOME Criteria of What Makes a Good Candidate:

• Any mortgage with loan payments (behind or not!)
• Someone suffering from the reset of an Adjustable Rate Mortgage (ARM)
• Someone whose ARM has not yet adjusted but will
• Someone who has a Negative Amortization (Neg Am) loan that has or will reset soon, because they have drained the equity from the home.
• Someone whose home is worth less than what is owed
• Someone who is having difficulty with their mortgage payments because of a hardship
• Someone who has had to care for a family member in a capacity which affected their income potential for a period of time
• Someone who has been attempting to sell a home for an extended period of time and simply cannot get it sold
• Someone who has rental properties that are sitting vacant because tenants cannot be found
• Someone who has been affected by a divorce
• Someone who has been the victim of predatory lending
• Any loan created with stated income
• Option ARM loans
• Reverse Amortization loans
• Client suffered income loss or reduction
• Client was misrepresented
• A major or minor federal infraction exist in the loan
• Long term solutions to homeowners across America

 
What to Do to get it Done:

1. Request your Loan Audit
2. Send us your current loan documents
3. We submit the docs to our Legal Team

1, 2, 3 - That's all we do.

Our Legal Team follow up with you, "the homeowner,"

Where Will This Work?   In Every State!

Contact us to have your Home Mortgages reviewed by our Experts.

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