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News (85)

loan modification

People usually do not just want to hear about the hypothetical success of any product or service; Americans want to see real life proof.  For example, it is one thing for people to hear about the benefits of a certain pill, but once they see real life stories of people whose lives have changed for the better, they trust it that much more.

Loan modifications are no different.  Loan modifications are a great alternative to bankruptcy, short sale or foreclosure, but without proof it is hard to see exactly what the benefits are for the average person.  Here are some real life examples of how California home loan modifications have helped average people stay in their homes in spite of serious financial turmoil.

 

 

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loan modification

Did you know that executives throughout America are finally being brought to justice for the predatory lending and subprime mortgage fiasco?  The subprime mortgages that helped ruin the current economy by taking advantage of unsuspecting home buyers were fueled, in part, by executives such as Countrywide Financial CEO Angelo Mozilo.  Loan modification companies in California and the rest of the nation have been crying foul for quite a while, trying to alert authorities to the abuses going on.

 

 

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It is not impossible to get a home loan modification.  Many people struggle with even thinking about a loan modification.  Either they feel a home loan modification is too difficult or they simply don’t understand how the process works.  Here are some quality loan modification tips:


Get your finances in order – One important tip any loan modification company will send your way is that your finances must be in order.  To prove you have a financial hardship and to prove you have enough money to pay a modified home loan payment, you are going to have to show your finances, your budget, your income and more.

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Are you entitled to an upfront premium refund?  FHA rules about premium refunds have changed a lot in the past ten years, but here at the Loan Modification Help Center, we can help you figure out if there’s money owed to you.  If you’ve prepaid your mortgage loan and haven’t received a premium refund, contact the Loan Modification Help Center today.  We can help you with your refund and many other aspects of your mortgage loan.  No matter what your situation is or what you need to get out of your mortgage loan settlement, our attorneys are he to help you get it.

 

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ShortRefiNow.com, of Roseville, California, has been labeled by The Better Business Bureau as a scam. Having received numerous complaints of shoddy service, non performance, and no refunds, the BBB issued the scam warning on March 31st. The California Department of Real Estate issued a Desist and Refrain order in February because the company lacked proper licensing to perform loan modifications. The order came along too late for Kris Pinckney who gave ShortRefiNow.com $3,000 for her loan modification but kept getting non answers and the runaround. When she asked her lender whether they had spoken to anyone at ShortRefiNow.com, the answer she got was that they had received one call to ask how they did refi’s. She did get a partial refund from the company.

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We can help you stop foreclosure with a loan modification in the following states:

If you need help understanding your option of taking advantage of the home loan modification process, the help is available to you everywhere. The process is quite tricky and it is highly recommended that you do indeed seek legal advice before signing on the dotted line, in order receive the most efficient and cost-effective modification to your mortgage payment.

Where do I get Advice
There is advice all over the web on how to receive a loan modification; some of this advice is quite helpful, while some is quite dreadful. There is also the opportunity to hire a professional service that will help you go through the paperwork and work with the lender to help you get all the benefits that you deserve, due to a hardship. Loan modification is a process that must be understood completely and thoroughly. This article can actually offer you an insight on the process of loan modification and tips that will better help you as a homeowner save your home from the risk of a foreclosure.

Loan Modification Advice
First and foremost, it is important to determine if you are eligible for a loan modification. This requires writing a letter of hardship explaining to the lender what exactly the reason is for your late payments and the fact that you are unable to pay your mortgage. Doing a loan modification on your own requires more than just advice. Becoming educated about the process is more important. This is perhaps a good reason to hire a professional loan modification company to take part in the process. They will handle everything for you, while educating you in the progression. There is a fee charged for hiring these companies, but in turn your mortgage payment can be lowered quite a bit and professionals can even find things in your original loan papers that may prove that the lender may have broken the law during your original mortgage signing.

If you do choose to take the big leap of the loan modification process on your own, you must first contact the lender and they will lead you to the correct department, normally the loss mitigation department. You may not want to directly say that you are in the process foreclosure. We do not want the lender to think your situation is not worth their time before hearing you out. Always document anything relating to the loan modification process, every phone call and any other information you may receive during the process must be documented. Always discuss every option available with your lender, so that you may come up with the best alternative for you. It is true you will save money going directly through your lender and let’s face it, you are struggling already trying to make your payments, but professional assistance can help immensely.

No matter what direction you decide to take, loan modification will be what determines the amount of time you have in your home. If you are eligible you should act as soon as possible.

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