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Welcome to helpUmodify

Workout Solutions can take on several forms.  They can be as basic as a repayment arrangement and as robust as a complete Promissory Note modification (loan modification).  There are also workout programs for homeowners in trouble such as Short Sale agreements, Forbearance agreements, Deed in Lieu agreements, and various Stipulation agreements.

These workouts have received significant press since the credit crises began in August 2007.  As a result, an entire industry of “Loss Mitigation Experts” has emerged in hopes to earn your business and negotiate a solution for you.  Many of these services over-promise results with thousands of dollars in up front fees.

HOMEOWNER ALERT!  If you are currently seeking a Loan Modification or Workout Assistance on your mortgage, DO NOT pay up front fees for third party services.  Most of our clients have come to us after having paid large upfront fess to other companies who did not complete the work as promised.  This includes a new wave of “Law Firms” who are rushing in to fill the subprime void by promising workout results with BIG upfront retainers. When you retain an attorney, do so with “The Attorney” who will do the work and not a salesperson or legal assistant.  There are some great firms out there, but please be careful of who you retain.

Loan Modification Scams in the News:


Here are the most common helpUmodify.org solutions:

MacBook:Users:johnkrochman:Desktop:HelpUModify:Analyzer.jpgNEW!...  FHFA Loan Modification; The Federal Housing Finance Agency (FHFA) has expanded the authority for the nations two major mortgage GSE’s, Fannie Mae and Freddie Mac to begin providing a “Streamlined Modification Plan” (SMP).  Beginning December 15, 2008, thousands of loans serviced or held by Fannie or Freddie will be eligible for this new government program. START HERE.

MacBook:Users:johnkrochman:Desktop:HelpUModify:Analyzer.jpgHOPE for Homeowners (H4H); This is the expansion of the FHA HOPENow program set to begin on October 1, 2008 and reaffirmed with the Emergency Economic Stabilization Act of 2008 signed into law on October 3, 2008.  This program is designed to assist homeowners in mitigating preventable foreclosures.   The H4H program contains both a Loan Workout AND Refinance component.  MORE HERE.

MacBook:Users:johnkrochman:Desktop:HelpUModify:Analyzer.jpghelpU Analyzer; Find out if you may qualify for a loan modification or other workout and what you need to do to get your lender to agree to modify the terms of your mortgage. Our Analyzer Service is FREE and will provide you with a precise look at all of your workout options. The Analyzer Service is a must use service before seeking a specific workout with your lender or hiring a third party workout negotiator.  START HERE

MacBook:Users:johnkrochman:Desktop:HelpUModify:DoitYourself.jpghelpU Solutions; Once we have contacted your lender and completed our preliminary workout evaluation service, you will be prepared to take action. You can use our findings to Do-It-Yourself or hire the friendly staff at helpUmodify.org to do it for you. Our services include all of the essentials including a complete and organized workout package presented to your lender and our brokered negotiation services.  START HERE

 





Past Client Testimonials

"My loan was getting ready to adjust and my payments were going to go through the roof! We tried to refinance but were turned down.  I purchased the loan analyzer from helpUmodify.org a found out that I likely qualified for a note modification.  I used the information I received from helpUmodify and contacted my lender.  We are almost done with the process.  Thank you!!!  Rene, Los Angeles CA

"With our first and second mortgage we were upside down almost $100k on our house. Not only did helpUmodify help us get our house sold but the got our second mortgage company to take $1000 instead of the $94000 that we owed them." -Ann, Boca Raton FL

"In my business a foreclosure was not an option for me. I thought I was out of options until I asked for assistance from helpumodify. They set up my short sale and even located a friendly realtor to take care of the sale! Thanks again.  I could not have gotten out of this mess without you and your team." -Cody, Stockton CA