LOAN MODIFICATION SERVICES

We Fight To Keep the Family Home
Reinstatement

Occurs when the homeowner brings a delinquent mortgage current or “cures the default” by paying the total delinquent amount.

Forbearance

An agreement that allows the homeowner to pay less than the full amount of the mortgage payment or pay nothing for a given period which prevents the homeowner from foreclosure auction.

Repayment Plan

An agreement that gives the homeowner a fixed amount of time to bring delinquent mortgage payments current by paying the normal monthly payment PLUS an additional amount

Loan Modification

Reducing the interest rate to 2% Reducing the principal amount owed Reduce the monthly payment Extending the maturity date of the note. Increasing the unpaid principal balance (UPB) by capitalizing the delinquent amount

Short Sale

An agreement to sell the property prior to foreclosure for less than the total amount owed on the mortgage and the lender servicer forgives any shortage.

Deed in lieu of foreclosure

The homeowner deeds the property to the lender/servicer to avoid foreclosure generally in exchange for the complete cancellation of the mortgage debt.

what we do

Saving your home is our number one priority
Our goal is to determine whether there is a viable workout for a homeowner in default in order to save their homes.
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