How do I know if I qualify for a loan modification?
If you are behind on your payments, in foreclosure, soon to be in foreclosure, have received a notice of default or sales date, have an adjustable loan, have a negative amortization loan, a balloon loan, a first and second on a single property, or a high interest loan then you qualify.

Can't I just do this directly with my lender?
You can, but it's highly recommended that you don't. Over 87% of homeowners fail in their attempt to modify their mortgage.
Why do you ask? For the simple fact, the average homeowner does not know the loan modification guidelines associated with their particular lender. In most cases they either show they make too much money to qualify for a loan modification or too little money. The guidelines for a loan modification are very strict and rigid. The reason so many people hire us to represent them we have over 14 years of experience in the industry.
Therefore, we know how to structure a file to get it approved before we even submit it. In some cases, If you go directly to the lender they will try to give you an option that will benefit them first, and you second. Most lenders that do some type of plan, only do a temporary solution that many times will put the homeowner right back into a hardship after just a few months. We provide a permanent solution that benefits you first and your lender second.

Our goal is to keep you in your home with a solution that will keep you from experiencing a hardship ever again. Your lender's goal is to make money on the loan.

How long does the process take?
With the amount of modifications being done today the average turnaround time from start to finish 8 to 12 weeks.

Testimonials from recent  Satisfied customers