Although we encourage you to work with your lender if you are a payment or two behind, the reality is that homeowners who have tried to negotiate on their own, with their mortgage company have usually come up with something worse than what they started with. According to HUD, a Loan Modification is a permanent change in one or more of the terms of a mortgagor's loan, allows the loan to be reinstated, and results in a payment the mortgagor can afford.Mortgage Bankers are used to speaking with homeowners who know very little about their loan.

Also, these homeowners are generally taken advantage of for that very reason. In addition to negatively impacting the negotiation, homeowners also struggle making contact with a useful party at their mortgage company. This is yet another reason to hire our highly experienced and trained professionals. We have contacts with most major mortgage companies, and experience much less resistance than a homeowner would.

According to The US Department of Housing and Urban Development (HUD), a Loan Modification is a permanent change in one or more of the terms of a mortgagor's loan, allows the loan to be reinstated, and results in a payment the mortgagor can afford.

We are trained specialists with many years of Loss Mitigation and Real Estate Law experience which you can use to work for you and your family, to save "The American Dream."