Taking advantage of lender sponsored loan modification programs is the best method for borrowers in the midst of financial hardship to save their homes from entering foreclosure or get their payments back on track. Let us help you make the best of your situation and stop these nagging questions:

  • Behind on mortgage payments?
  • Interest rate keep raising?
  • Payment more than you can afford?
  • Worried about losing your home?
  • Concerend about having a foreclosure on your credit?
  • Tried to obtain funds to bring your loan current without success?

If you said yes to any of these questions, we can help!

With a loan modification, the home loan is restructured to such an extent as to make it affordable and fit comfortably into the borrower's budget rather than being an overwhelming monthly drain on already tight finances. Loan modifications come in different forms and quite frequently they involve the reduction of mortgage's interest rate for a specified period of time.

How This Works

Our service can help you avoid foreclosure. Depending on your specific situation (the Property State , your mortgage lender , your mortgage history, your hardship, and any other unique situation you might be in), we will match you up with the right company.

Loan Modification Process (more details)

Loan modification and loss mitigation sound intimidating to the average homeowner, but the process is indeed simpler than you might think. By following a prescribed action plan, the process can reach a successful conclusion in a relatively short time.

It starts with you filling out the short form. Your case is then immediately entered into our processing system. A loan modification counselor will contact you shortly to get the ball rolling and obtain more details about your specific scenario.

Your to-do list

To get the process rolling, your will be asked for required supporting documents such as:

  • Hardship Letter - Include dates, reason for delinquency, what you have done to attempt to workout problem in the past; also include any supporting documents for hardship. While our Network Service Reps will be happy to provide guidance if needed, the short and straightforward letter must be in your own words
  • Bank Statements - Last two (2) months.
  • Proof of Wages and Salary - Employed - Pay stubs for last two (2) months; Self-employed - 1040s for the last two (2) years.
  • Federal Tax Returns - First and second pages (W2s) from the last two (2) years.
  • Rental Agreement - If the loan modification is not for your primary residence.
  • NOTE .... this is just an example, your Loan Modification Counselor will povide you with a detailed list custom tailored to your specific loan terms & needs.

Next steps

Our Service compay will work with your lender, exploring options that will provide a satisfactory conclusion for all parties involved. In many cases, we’ll have an answer within 30-60 days, and sometimes sooner. While we negotiate a solution, you can relax and focus on more important tasks, such as work and family.

There is NO OBLIGATION. There is no credit check & no appraisal required. START NOW!

To find out if you qualify for a loan modification call us at 1.973.617.6202

Got a Question?

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We are a full service mortgage information provider for all 50 states. We can help you obtain your own mortgage specialist to help you with Applications and Funding through various wholesale brokers, bankers, and lenders. We are not brokers, bankers or loan officers.

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