Frequently Asked Questions

Why would I need this service?

If you have an adjustable rate mortgage and the rate keeps going up and you find it hard to make your payments this is for you.

Your homes value has decreased and/or can't refinance because of lack of equity, income, lost your job, a hardship or bad credit this is for you.

Can't afford to have a Loan Modification company handle your modification for you because you don't have $3,000+ Dollars. Why would you want to pay a Modification company Thousands of Dollars when you can do it yourself and your current lender would rather talk to you anyway.

Not all lenders are the same some are easy to work with some are not. It is not our responsibility on how well they are willing to communicate & negotiate with you. We simply show you the steps to take and how to approach them in the mortgage language they understand. We will prepare all the necessary forms for you to present to them. Our Loan Modification KIT gives you everything you need to get your rate & payment lowered that you can afford.

Do I need good credit? Is this a loan?

You do not need credit nor do you need a loan. You already have one with your current lender. We are simply providing you all the completed documentation for your situation and education to negotiate with your lender to reinstate or modify your current mortgage loan so that you can stay in the home. Be careful if a mortgage company is telling you they can refinance your home. In most cases, if you are delinquent or in default on your mortgage, the rate will be higher then you currently have plus all the closing costs on top of what you already owe.

Why should I use your services?

Again why would you want to pay a Modification company Thousands of Dollars when we give you everything you need to do it yourself for $995.00?

We provide you with:
1. Completed documentation tailored for your situation.
2. The Education and what to say to your current lender, all mortgage lenders are NOT the same.
3. A personal designed hardship letter for your personal circumstance.
4. Who to contact for your lender’s modification department.
5. Discussion points with your lender to insure success in lowering your current interest rate.
6. A checklist of materials you will need to submit to your lender.
7. Comparison of existing mortgage to proposed new mortgage.
8. Income and expense analysis.
9.  Property profile report on your home.

Why is the lender foreclosing and what is foreclosure?

When you wanted to purchase a home, you didn't have all of the money necessary for the purchase. You borrowed the money, and created a mortgage or deed of trust (promissory note). Your home was the collateral for the loan and the promissory note basically stated that should you not meet your mortgage payment obligations, the lender can take your property. Foreclosure is the legal process through which this is accomplished.

Although you have rights and entitlements, what you should realize is that the lender does not want your home. There are way too many foreclosed homes out there today. They would rather lower your interest rate then have another foreclosed home on their hands. It costs them Thousands and Thousands of Dollars to take back a home and then try to sell it at a loss.  They want you to continue paying monthly mortgage payments. But time is of the essence. The longer you take to act, the more this will cost you.

Who qualifies for this service?

Any homeowner who encountered a hardship condition, who is behind on their mortgage, your rate keeps adjusting up or simply can't afford your current house payment.  Click here to apply and we can quickly determine whether you qualify or not, at no cost or obligation to you.

The sad fact is that some homeowners will not qualify to keep their home and we can still help. Our entire philosophy is to give you free counsel and to help you in your situation. We have alternative solutions that can help any homeowner who is delinquent or in default on their mortgage. Do not deed over your home to an investor if you do not need to.

How long does this process take?

To find out if you qualify can be determined by your application and a short no-cost consultation with one of our certified lender mediation experts. This can take as little as 10 minutes. Once we receive your funds and documentation in most cases your Modification Kit will be in the mail the next day.