Many firms have contacted me offering to help. What is different about your company?
A. There are many companies who are not what they appear to be. Be careful of unscrupulous companies who are actually just interested in collecting a fee then do nothing for you. We have over 50 years combined experience in the mortgage and real estate industry and a long track record of success.  We also offer a Money Back Guarantee on our modification services – most modification companies do not offer this.

What can a loan modification do for you?
A. The goal of a loan modification is to work out an agreement between the homeowner and the lender that will provide you with terms you can manage. Frequently this means a lower fixed interest rate, a lower payment and sometimes even a lower principle amount.  This allows the homeowner to stay in their home and protects their credit history.

How much do you charge for your services?
A. Our fees are based on the complexity and urgency of your situation. Our professional staff will evaluate your case and explain the fees we charge and the best options to modify your loan and/or save your home. We are confident that you will feel that our fees are a bargain compared to the cost of the alternatives. We offer a Money Back Guarantee if we cannot get you a modification agreement with your lender(s).

What if the loan modification doe not get approved with my lender?
A. We will refund you the unused portion of any fees that we have collected. A Money Back Guarantee Disclosure is provided to every modification customer that explains exactly how this guarantee works.

Can I negotiate with the lender myself?
A. Yes, but should you? It really depends on the results you want to achieve.  We have a staff of professionals whose only job is to work with lenders and modify loans, every day, five days a week.  By letting us do what we do best you will get better results with less stress and effort.  We know how to deal with lenders and have in-depth knowledge about how these institutions work.  We can potentially save you thousands of dollars and free you from the time commitment required to achieve an effective resolution.

How long does it take to complete the case once we fill out the paperwork?
A. Anywhere from 10 days to a few months. This depends on the stage of delinquency you are in and your financial position. Typically it takes 30 - 90 days to obtain a resolution.

How long do I have to act?
A. Time is of the essence when you are behind on house payments. Time is definitely not your friend in this situation. Each day that passes makes it that much harder to get a work out agreement with your lender that you can live with. The home foreclosure process can take anywhere from a few weeks to many months, depending on your state law and the method of foreclosure your lender chooses to use. We have encountered many homeowners who did not even know that they had already lost their house!

I'm currently in bankruptcy. Can you still help?
A. Yes, but we cannot negotiate a work out agreement with your lender until your mortgage has been discharged or dismissed from the bankruptcy proceedings. Our professional staff can still evaluate your case and explain the best options to save your home. Then when the mortgage is out of the bankruptcy we can proceed with the loan modification. Sometimes after bankruptcy it is easier to make a mortgage payment because other debts have been discharged.

I've already talked to my lender & they just want all their money. Can you help?
A. Yes. Most of our clients have experienced this kind of inflexibility from their lenders before calling us. We get your bank to listen to your needs because they know and trust us. Most of our staff have many years of experience. That kind of experience gives us credibility with your lender. Over the years we have developed positive working relationships with key people at most lenders. We will use our experience to your advantage.

if I can no longer afford my home? Can you still help me?
A. Yes. If you are certain that you cannot afford your home any longer and wish to sell, we will help you secure a short sale payoff or a deed-in lieu of foreclosure agreement with your lender.