As you might be aware, we have been involved in the Real Estate field for quite a while. Loan modification was not around before the economic downturn and we have been performing loan modifications since the lenders began offering it. During this time, we have had our share of challenging files and we are very proud of our track record and the successful modification results we have achieved for our clients. Each case is handled by an experienced agent who understands the loan modification process inside/out.  We work very hard to get you results fast because we know the gravity of the situation and the negative impact on each homeowner's life. We would advise you that each situation is different and we can only forecast what results we’re likely to achieve for you after doing a thorough and FREE evaluation of your case.

Below are a just a few cases that we want to share with you; obviously, we cannot list all of the files. Due to privacy issues, we cannot disclose actual client names.

Client A: Due to loss of employment, Client was behind on mortgage payments for over 12 months, lender had filed for notice of default and foreclosure sale date was set. Existing rate was 7.125% pay option ARM (NEG AM) and loan amount was for $312,000. This was the type of loan that offered 3 payment options each month, but if you chose to pay the minimum payment, the unpaid amount would be added on top of the loan--similar to minimum payment on a credit card bill.  Foreclosure was approaching quickly, yet we were able to modify the loan to a new 40 year term and received a reduced interest rate of 2.0% and new payment of $1153 per month which included principle and interest. We also helped Client A waive all penalties, late fees and other collection costs, saving them thousands of dollars.

Client B: Client was behind on mortgage payments for over 6 months and had already applied for a loan modification with their lender but after waiting for 3 months, their loan modification was declined. The interest rate on the loan was 6.375%, loan amount was $399,000 with monthly payment of $2489.  The client had to choose between foreclosure or making payments he could not afford. We were able complete the loan modification process and get an interest rate of 3.0% with new monthly payment of $1682.20 saving him almost $806 per month. We also waived all penalties, interest fees and other collection charges.

Client C: Client was behind on mortgage payments for over 9 months, with an existing rate of 6.25% which was A NEG AM loan (loan with minimum payment that grows every month putting principal on top of principal) worth $365,000 and monthly minimum payments of $1825. We were able to modify the loan to a 40 year term, first 5 years at 2.00% with new payment of $736.42 saving her over $1000 per month! After 5th year the rate would increase by 1% until it reached 5%--where it would stay for life of the loan. Further, we were able to get $129,000 of the loan reduced to 0.00% interest so she can pay off the loan much quicker.

The cases above are just examples of our recent work. Obviously, past performance is not a guarantee of future success. What we can guarantee is that we will treat you with respect, fight hard on your behalf, and get you results fast. We do not charge upfront fees and we do not accept any files we know we cannot help. There is no reason to waste your time or ours. Click here to submit an online application or call us at 888-668-4193.