While The Government Is Busy Bailing Out Wall Street...

...We Are Saving Homes On YOUR Street.

A Loan Modification is a restructured agreement between the borrower and mortgage lender with revised terms and interest rates. A true loan modification is a long-term solution for borrowers who are facing foreclosure or bankruptcy. There are a variety of reasons banks agree to modify a mortgage note, primarily to stop a looming foreclosure.

If you can currently make your regular payment, but you can't catch up with the past-due amount, we will negotiate with your lender to fold any past-due amounts, including interest and escrow, into the unpaid principal balance. This new amount will be re-amortized over a new period of time.

Or, if you are unable to make payments at this rate, we will negotiate with your lender to extend your loan for a longer period of time, modifying the loan amount to a more affordable level.

In some cases if you are upside down on your mortgage the bank may reduce how much you owe on the mortgage bringing your payments down and also your interest rate to a more affordable term. Most lenders are offering rates between 2% and 7.5% to get the mortgagee back on the right track of home ownership.