The Credit Crisis and Housing Crisis have deemed these times we live in as truly historical.  Unfortunately, you may remember these as some of the most difficult and emotional times in your life.  Much of this is as a result of your desire for a piece of the American dream… homeownership. 
  
If you are anxious about your options as a homeowner then this is where you want to start to make sense of it all.  We will provide you with the knowledge you need, help you determine your best direction, and get to work on your behalf so you can remember these times for what YOU did to better your situation for you and your family.

Our service starts by analyzing your mortgage note, your family budget, your payment history, any family hardships, and your ability to repay.  After our review, we will make direct contact with your lender on your behalf to discuss all of the possible workout options and begin preliminary negotiations.  Once complete, we will provide you with a 30-minute consultation to discuss all of your options and help determine a course of action customized to your situation.

The most valued result that can be achieved from these efforts is a Loan Modification.  A modification often changes the note terms to a 30 year fixed rate mortgage at a fair to low interest rate.  This is usually accomplished with relatively low fees for the service, incorporation of deferred payments, and the elimination of pre-payment penalty’s. Other common workouts include temporary payment arrangements, repayment agreements, short sale agreements, and stipulation agreements.

Requirements:

• About 30 minutes of your time.
• Complete the Secure Online Application & Family Budget
• Copy of your Most Recent Mortgage Statement(s) and any recent communications from your lender.

Brokered Service Includes:

• Payment History Analysis
• Family Budget Analysis
• Family Hardship Analysis
• Workout discussions with your lender
• Recommendation Letter
• 30 Minute Consultation Call to Review Findings

Get Started:

• e-Mail link and Package delivered in minutes.
• Click HERE to get started

Before contacting your lender to discuss your situation, be prepared to provide them with your family budget.  This includes all of you income and expense in your household.  Your lender will ask you for this information as a means of qualifying you for one of their standard workout solutions.  Be as accurate as you can as overestimating your income or your expenses may cost you an approval.

When communicating with your lender, clearly express your desire and intentions to keep the home.  Do not threaten to walk away from the home.  Lenders want to work with homeowners who truly desire to stay in their homes and are willing to work through their challenges.

While exploring workout solutions with your lender, keep up on your payments as best you can.  Contrary to what you are hearing out there, purposefully withholding mortgage payments as a means of negotiating is bad advice and can cost you the ability to obtain a better mortgage as conditions in the mortgage market improve and other workout solutions become available.