Loan Restructuring/Modification Solutions
What We Do
We provides processing services for loan modification for homeowners and companies across the country by providing our clients with a number of workout options to avoid bankruptcy or foreclosure.
Keeping Your Future Bright
Thinking about helping out homeowners with their American dream, or already selling loan modification services? Why waist your time in the back end work of time consuming processing services with the banks, if you do not have to. You focus on selling the product and we take it from there with a 100% guarantee on the files.
We offer a number of solutions for the distressed homeowner which will provide permanent financial stability and peace of mind. The entire process is handled by our experienced workout staff. You can contact us regarding loan modification processing services.
Why Loan Restructuring Solutions?
Our loan restructuring solutions is comprised of a staff of former bank negotiators from banks like Chase, Bank of America, Wells Fargo, and Countrywide -- just to mention a few. Our staff knows the ratios your financial documentation has to match for an approval as well as the current investor delegations corresponding to investor requirements. Our bank negotiators will handle every aspect of the modification process on your behalf. You will never have to go on a wild goose chase again. No frustrations or sleepless nights anymore. A business home page is similar to the front window of a retail business. Highlight your best products or services and any special offers here. Present your products or services value to browsers to get them "through the door" or deeper into your site.
Services Offered
Modifications
- We can extend the term of the loan to 30 years, 40 years, and even 50 years.
- We can reduce interest-only accounts all the way down to 3.25%.
- We can even change interest only accounts into 30, 40, 50 year fixed rate terms with interest rate reductions all the way down to 5.25%.
- We can even modify homeowners who are current on their loan.
Forbearance (payment suspension 3-12 months)
- We can do this for temporary (short term) financial hardships.
- Homeowner must be able to provide a letter of hardship with specific details.
- We can help homeowners and their chosen real estate agent process the paperwork.
- Homeowners are required to have their home listed for a minimum of 90 days before we can pursue a deed in lieu of foreclosure.
- This option saves the homeowners credit score and forgives the deficiency balance.
Deed in lieu of foreclosure
- Must have had home listed for sale a minimum of 90 days with a licensed real estate
agent or broker before we can proceed with this option.
- We can have the Lender take back the home and sell the property themselves
- This option saves the homeowners credit score and forgives the deficiency balance.
- We can structure a repayment plan that suits the homeowners current financial situation which will allow them to keep the property and stop the foreclosure process.
FORENSIC LOAN DOCUMENT AUDIT
- Complete client interview and all applicable parties
- Complete loan document and disclosure audit by 30 year underwriting and fraud and compliance mortgage professional
- Truth in Lending Act (TILA) and Real Estate Settlement & Procedures Act (RESPA)
- Reverse engineering of your loan terms and Annual Percentage Rate (APR) for possible TILA violations
- Complete 10 page report with all violations and findings
Use the form to request a FREE loan modification consultation
or for more information about our services