LOAN MODIFICATIONS

We understand that defaulting on your mortgage can be very stressful and often times a scary situation. We have counseled many individuals and families in your same situation and have found that most people do not realize that they have options before foreclosure and one of them is a Loan Modification.

The loan modification is a redesigned package that you can use if you are behind on your mortgage. With the right modifications, you can be saved from many financial hardships.

It is time to STOP YOUR HOUSE FROM SLIPPING AWAY! Stop foreclosure now with modifying from one of our qualified specialists who are dedicated to helping those who need access to the new modification program. You need a mortgage payment that can fit comfortably into your budget rather than it being an overwhelming monthly drain on already tight finances.

MortgageHelpers (888) 466-3630

Reasons for a Loan Modification

You cannot refinance due to specific financial hardships like:

  • Poor Credit
  • Negative Equity
  • Loss of Income

You have these conditions:

  • Mortgage Delinquency
  • Sub Prime Loan
  • Adjustable Rate Mortgage (ARM)
  • Other Non-conventional loans

Remember - Your Lender Does Not Want Your Home!

Whether you qualify for a Loan Modification will depend on several factors and are too numerous to cover here. However, an individual's qualifications can vary widely and lenders have many variables to consider. Of special interest to lenders in qualifying are people with sub prime loans and the various ARM loans. But make no mistake, lenders are looking to permanently resolve their exposure to foreclosing on your home.

Why MortgageHelpers works in this market is because many lenders have - overtime - mostly focused on originating and servicing loans. Since loan modifications can require large amounts of man hours to properly qualify a candidate, many lenders ignore this important assistance. And a loan modification may be the perfect solution when you cannot refinance on your own due to financial hardships.

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Governor Arnold Schwarzenegger signed Senate Bill 94 (Calderon) which prohibits any person from demanding or collecting an advance fee from a consumer for loan modification or mortgage loan forbearance services. IF YOU ARE APPROACHED BY ANY PERSON REQUIRING UP FRONT FEES FOR THESE SERVICES DO NOT PAY THEM.

How We Are Paid

There Are No Upfront Fees.

We do not get paid, unless the loan modification is successful.

Our fees are $1500 to $3500 depending on your lender or lenders.

There are also non-profit agencies that can assist you without charging you a fee. For information on non-profit housing counseling services, use the following links:

Federal Housing Administration www.fha.gov
Hope Alliance Now www.995hope.org

Also here are some helpful tips on doing it yourself
www.dre.ca.gov/pdf_docs/FAQ-LoanMod.pdf

Additional info from Government about foreclosures
www.dre.ca.gov/pdf_docs/ForeclosureBrochure0909.pdf