A home loan modification is the change of your current mortgage terms to new and more favorable terms. This could mean anything from reducing how much you owe on your mortgage balance to lowering your interest rate, or even permanently fixing your adjusted rate.

• On average our clients see a significant reduction in payments ranging from 30-60%.
• You do not have to be behind on your payments or facing foreclosure to qualify.
• If you have missed payments or have a pending foreclosure sale date that is OK as well.
• Your credit score does not matter.
• There are no refinance fees. This is a loan modification, not a refinance.

Why Use Us?

• We have proven track records in this industry with years of successful experience.
• 90% success rate on accepted files.
• We know the Laws & Government Programs inside and out.
• We have direct contacts at most banks and servicers.
• We know the bank ratios & what they look for.
• You want the best possible results as quickly as possible.
• You want it done for you by someone who you can count on to deliver because you don't have the time, energy, knowledge or expertise to go toe-to-toe with the banks and they don't make it easy for you either.

The harsh truth is that the bank will sell you short. They are in the business of making money and have no desire to grant you the relief you need. Meanwhile mortgage servicers are not in the business of helping homeowners, in fact you would be at the mercy of the very same servicers that specialize in squeezing you dry. Don't slip through the cracks while sifting through an endless sea of red tape. There are literally dozens of different types of programs. You will lose hours aimlessly navigating through dead-end call centers, completing difficult paperwork, and pleading your case to 1-track minded debt collectors. Quite frankly the failure rate on home load modification attempts is staggering. The numbers don't lie.

• 1.5 Million homes are in foreclosure as of 2009.
• Only 8.5 percent of seriously delinquent borrowers received any kind of loan modification in 2007 and 2008, while only 3 percent received a loan modification that actually reduced their monthly payment.
• The Center for Responsible Lending estimates that 2.4 million homes will be lost to foreclosure in 2009, and 9 million by the end of 2012.
• Foreclosure filings have hit a record high.
• 1 in 5 US homes are in foreclosure.

"One of the biggest challenges faced by those attempting to modify loans is the massive amount of paperwork borrowers must complete. In about 99 percent of the cases, the packages come back missing documentation or with some kind of error." — Michael Berman, President and CEO of CW Capital

An Alliance You Can Trust

We stand on a pillar of strong beliefs, honesty and integrity and are committed to getting you the best deal possible. We treat your case with the delicate care and attention to detail it deserves while backing your case with the best firepower available to get your modification done.

You wouldn't go into a major court battle representing yourself would you? You know firsthand how complicated and time consuming it can be to do your own taxes. That's why you hire professional representation. Don't waste time dealing with confusing negotiations and stacks of daunting paperwork. Let us go to bat for you. We offer the professional polish you need to ensure you get the BEST DEAL possible.

We're EXPERTS in the foreclosure process.

Could This Work for Me?

If you can no longer afford to make your current monthly payments you have a good chance of meeting the requirements for this program, but keep in mind you do not need to be behind on your payments to qualify. A borrower facing any number in a broad range of financial hardships may be eligible. We promise to treat your case with unparalleled care while our trained experts and experienced legal aides research an effective plan-of-attack designed specifically for you. Here are some questions to consider...

• Is this your primary residence?
• Did your loan originate before January 1st of 2009?
• Is your loan less than $729,000?
• Do you have documented household income (unemployment compensation counts)?
• Have you experienced any kind of hardship or economic setback?

If you answered yes to the following questions you are a VERY STRONG candidate for a loan modification and you'll DEFINITELY want to take the next step.