Are You Worried About Foreclosure?
Loan Modification may Save Your Home!

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What is Loan Modification?

Loan modification allows homeowners and lenders to change the terms of a loan in order to stop foreclosure. A loan modification is NOT a new loan. It is often the ONLY option for homeowners with bad credit that are behind on their mortage. Learn more.
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bulletSuccess Story

"My ARM adjusted and I couldn't pay it. I thought I was going to lose my home until I found this site. I didn't even know what a loan modification was, but thanks to you I was able to work with someone to change my loan to a payment I could afford. Thank you so much for helping us!"

- Monica C., San Jose, CA

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  1. Complete our secure form
  2. We match you with service providers based on your situation
  3. You review their proposals and decide what works best for you

You have NO OBLIGATION. There is no credit check and no social security number required

bulletTime is Your Enemy

  • According to the New York Times, "About 1 in 11 Mortgage Holders Face Loan Problems"
  • Mortgage foreclosure filings nationwide have increased 93% over the last year
  • Projections call for 2 million more foreclosure filings in 2008

You must ACT NOW to Save Your Home!

What is Loan Modification?

Loan modification is a process that allows homeowners and lenders to change the terms of a loan in order to help the borrower stop foreclosure. A loan modification is NOT a new loan. It is the renegotiation – or loan restructuring – of an existing mortgage note. For homeowners behind on their mortgage, or those with a low credit score, a loan modification is often the only option available because they are unable to get approved for a mortgage refinance or a short-refinance.

A loan modification can be done in several ways or combination of ways listed below:

  • the loan’s interest rate may be decreased
  • the interest rate could be changed from an adjustable to a fixed rate
  • the period of time the borrower has to pay the loan back can be lengthened
  • the type of loan could be changed altogether

Many borrowers are facing foreclosure because their interest only or variable rate loan interest terms have sky rocketed beyond what they could have imagined. A loan restructuring is an agreeable way for both the lender and the borrower to avoid the cost and hassle of the foreclosure process.