What is a Loan Modification?

Loan Modification is a procedure in which a loan's terms, like the interest rate, the monthly payment or the term, are changed to meet the current situation of the homeowner. All of this is done with the approval of the lender.

We will work with the lender on your behalf to modify your mortgage, bringing it current and making it affordable. You get a fresh start with new payments that you can afford.

Is Loan Modification right for me?

If you are you one of the millions of Americans with an Adjustable Rate Mortgage that is about to reset to a higher monthly payment, then a Loan Modification is for you.

Most buyers that have interest only or adjustable rate mortgages don't have substantial equity in their home. It is nearly impossible in the current market to refinance in this condition.

Our loan modification program allows your current financial challenges to gain negotiating power with the lender. We can utilize this power to modify your loan and keep your home.

How does this differ from Debt Consolidation or Refinancing?

Loan modification is simply that. We work to modify the program to fit your current financial situation with respect to the hardship challenges each individual might be facing.

We do not consolidate debt or move it to another loan, as we view this strategy as a temporary fix. We adjust your current mortgage to make it workable within your budget, allowing you to remain in your home and begin to build equity in your investment.

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