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- Immediately eliminate the threat of pending foreclosure
- Drop your mortgage payment down to an amount you can afford
“Wait,” you ask, “why haven’t I heard about mortgage loan modification California before?”
In the past, lenders didn’t have any incentive to want to renegotiate the terms of a loan. You paid, or they took the home away from you and sold it to someone else. This meant anyone who suffered the loss of a job, illness, unexpected bills or increased interest rate that made their monthly payment go up was in danger of losing their home.
What has changed? Lenders are finally realizing that it costs them more to foreclose on every homeowner in trouble than to try and work things out. The government has even stepped in and implemented programs to bring lenders and homeowners together on common ground!
Mortgage loan modification lets you change the terms of your original mortgage agreement. This gives you the opportunity to start fresh with a loan you can afford, even if you have experienced job loss, financial hardship or other setbacks.
A mortgage loan modifications can lower your monthly payments, reduce interest rates, and even allow you to defer payments to give you time to regroup and get on your feet again. These and other modifications are designed to help borrowers avoid defaulting on their home loan or damaging their credit. The modification resets your loan to make it easier for you to make payments on time, preventing foreclosure and the sale of your home.
Mortgage modification also helps lenders. It keeps them from spending extra money foreclosing and selling the house - in this market, they are learning they are better off working with you instead of incurring losses trying to sell a repossessed house! Lenders also may welcome the chance to make things right with you if you were initially misled about your loan, and made to think you could afford it when you really could not.
MortgageLoanModification101.com
Mortgage Modification Blog
“Seriously - what are the possibilities, here?”
Imagine having your mortgage extended from 10 or 15 to 20 or 30 years, cutting your monthly mortgage payment in half!
Imagine having your adjustable interest rate or high rate exchanged for a low fixed rate, reducing the total you ultimately have to pay for your home!
Imagine the chance to have late payments simply moved to the end of your loan, letting you start fresh!
Imagine even having the possibility of a portion of your loan being forgiven completely, bringing your amount owed down closer to the actual current value of your home!
You are probably wondering: “Can I qualify for a mortgage loan modification?”
Yes, you probably can! Even if you have:
…you can still qualify for a mortgage loan modification to help you retain possession of your home and avoid foreclosure!
In fact, you can even qualify for mortgage loan modification if:
- you do not have any missed or late payments
- you do not have an urgent financial hardship
- you have a fluctuating or hard to prove source of income
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You aren’t required to have a lawyer. There is no law that says you have to have an attorney or counselor or anyone else help you negotiate your loan modification. However, your chances of success and getting a fair shake go up dramatically when you have a savvy professional on your side.
- Reveal any Truth in Lending or RESPA violations on your current loan by performing an audit of all your loan documents - lenders are quick to agree to negotiations when legal pressure is brought to bear!
- Explain the ins and outs of loan modification so you really understand what you are signing instead of just putting your name next to X’s on confusing documents
- Bring expertise to bear in negotiating difficult modifications, particularly if more is owed on the home than its current value
- Help you avoid being scammed by ‘mortgage modification experts’
- Provide someone on your side who knows the score when you approach your lender about a mortgage loan modification
- Give you peace of mind and the assurance that you have obtained the most favorable deal possible
If you are facing foreclosure and the loss of your home, don’t wait. It’s time to book an appointment with a Mortgage Modification Lawyer and start taking steps to reclaim your home and secure your future!