Home Save Program
Our Success Rate is 98% and we back it with a Guarantee*
If you are falling behind on your mortgage payments, ask yourself these 3 questions:(1) Am I avoiding the situation?
(2) Am I avoiding phone calls from my lender?
(3) Am I embarrassed and don't know where to turn for help?
If
you answered Yes to ANY of these questions then our Home Save Program
was designed to help you. If you or someone you know are falling
behind in monthly mortgage payments please know that there are still
many options available.
Call
us today and let our caring and experienced Loan Modification
Specialists review your situation and tell you what your options are.
You don't have to go it alone. Call Us Today!
Tel: (757) 325-9919
Home Save Programs
With the overwhelming increase of interest rates
resetting on home loans and the devastating effect this has on the our economy,
many homeowners are facing mortgage payments they can no longer afford.
There are MANY options available to you if you're falling behind on your
mortgage payments. 96% of all major lenders are willing and ready to work
with us in negotiating a loan modification using our Home Save Program.
Our goal is to STOP the Foreclosure process and get you back on track with your
mortgage payments. Our Home Save Program has a success rate of 98% and is
backed by our guarantee. We understand that you are in a SERIOUS
situation with a VERY SHORT time to act to avoid losing your home. We
will work with your lender(s) and provide a customized plan with a monthly
payment that you can afford.
Our Loan Modification Specialists have over 13 years of experience specializing
in loan negotiating, debt restructuring and foreclosure solutions.
FHA and VA Home Loans CAN BE MODIFIED. FHA can allow a no interest loan
to bring your loan current
Loan Modification
In most cases the delinquent payments and foreclosure fees are totally
wiped out or a portion of them added to the back end of the loan. In
addition, in most cases the interest rate and payment are reduced either for a fixed period or permanently. Interest Rate / Payment
Reduction
In most cases, this is the only option for a
homeowner to keep their home. Our job is to construct a financial plan
for the homeowner outlining the income and debts thereby convincing the lender
to either reduce the interest rate. This financial plan will need to
prove to the lender the maximum amount that the homeowner can afford monthly.
We will also negotiate with the lender to forgive the delinquent payments,
reduce them or add a portion of them to the back end of the loan.
Principle Reduction
If your property is "upside down", this provides
us more leverage against your lender. Our job is to utilize that leverage
and in doing so we are able to eliminate a large portion of the principal on
your 1st mortgage and sometimes 50-80% on the 2nd mortgage. With
the market economy in our favor, we can convince the lender to lower the principal
amount to the present market value
Deed in Lieu of Foreclosure
In many situations the lender will accept the property back
from the homeowner as full payment in order to save time and the expenses of
going through the foreclosure process. Our job, in this case is to
structure your situation so as to convince your lender it's in their best
interest to accept the property as payment in full with you, the homeowner
owing nothing further to the lender. This is the most complex of programs
as now have to provide a detailed analysis of the property value.
Note: A deed in lieu will prevent the
lender from filing a 1099 on their loss which is regular income to the
homeowner which will protect the homeowner from being sued by the lender.
If you would like a personalized quote please complete the form below and we will contact you by the next business day.