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Making Home Affordable is the government program announced in March 2009. The new Government Website is listed HERE and has do-it-yourself resources for determining your eligibility of either the Refinance program or Loan Modification program. Find out where you stand before contacting your lender or helpUmodify.
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 such as Short Sale agreements, Forbearance agreements, Deed in Lieu agreements, and various Stipulation agreements.
These workouts have received significant press since the credit crisis began in August 2007. As a result, an entire industry of “Loan Modification Companies” has emerged in hopes to earn your business and negotiate a solution for you. Many of these services over-promised results with thousands of dollars in up front fees. This prompted the State of California and others to enact tough new laws to protect consumers. We support these efforts.
helpUmodify is comprised of a small group of homeownership advocates with the mission to educate and empower homeowners who seek workout assistance. As you navigate through our site you will take note of several consumer advocacy themes including: a focus on Education, Do-it-Yourself help, and Buyer Beware.
helpUmodify is a Consumer Advocate project of PorchLight Real Estate Services located in Orange, CA. We began this initiative in efforts to do our part to help people during these difficult times. What we value most is helping homeowners in trouble find a solution or resolve to their homeownership challenges. Our basic philosophy is that you should do as much to help yourself as you can on your own, seek education and assistance as you need it, and hire a professional when required.
Homeowners who need workout assistance utilize our services in one or more of the following ways:
1) Educate themselves on workout solutions and gain valuable information before contacting their lender and attempting a Do-It-Yourself workout solution.
2) Educate themselves on what to look for and what to look out for when hiring a third party company to help with their workout solution.
3) Hire helpUmodify to Process and Submit a workout application to their lender through our Simple^Submit service. We DO NOT provide Loan Modifications or Workout negotiations.
4) Use the helpUmodify Realtor Network to initiate the short sale of their home if they are no longer able to afford the home. This is a FREE Service.
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.
Loan Modification Fraud Warning from the FTC:
