What We Do

We work with homeowners to modify their mortgage to allow most homeowners who can make affordable payments keep their home. A triggering event such as a loss or decrease in household income, job loss, health problems, divorce, bankruptcy all qualify as a triggering event that may allow you to restructure or modify your mortgage.

There are four types of Loan Modifications

Loan Modification

Your current lender allows one or more of these changes to occur: either a change in the interest rate, loan amount or payment. This could stop a foreclosure

Loan Forbearance

Your current lender will negotiate to pay a portion of the delinquent amount up front and the remainder will be paid over the next twelve months. Some forbearance agreements allow some or all of the delinquencies to be tacked on to the end of the loan. This would stop foreclosure.

Loan Refinance

Using a lender that specializes in foreclosure bailouts or the FHA Secure Program you may refinance your current loan but there must be equity in the property.

Loan Reinstatement

Either using an institutional lender or a private lender (hard money) acquire a short term loan to bring the 1st mortgage current. Must have some equity and this new loan will carry a higher interest rate.