We are a team of professionals who have worked in the past as a loan officer and underwriters and have detailed knowledge of the tricks used in the trade of Mortgage industry and servicing companies.
Our team of professionals is well equipped and qualified to understand your situation to work with you and update you on each and every step while your application is on the way for approval. We started 11 years back and have already helped over 40000 borrowers to get a successful loan modification from their lenders.
There are various factors involved in a loan modification approval or denial other then Debt to Income Ratio (DTI), there are crucial calculations like LTV (loan to Value Ratio), Net to Present value test, and stringent investor guidelines that needs to be followed. There are so many law firms and private agencies that are willing to help distressed home owners but they also charge you an upfront fee only for presenting your application to your lender/servicer and do not guarantee a loan modification.
In order to qualify for a loan modification, you must be able to prove to the bank that your specific financial situation meets their strict guidelines for approval. This can be confusing and tricky-especially because they will not tell you what they are looking for on your application! In fact, the vast majority of applications are denied simply because the borrower did not understand how to complete the financial worksheet correctly or able to really prove the hardship to their respective servicer/lender. So if you have a Mortgage loan with a Lender and you are willing to get a loan modification that will get your payments and interest rate down on your mortgage, this is the time! if you have been already denied once do not try your luck the second time without a professional help as this may cost you your house. Even if you have been denied more than 2 times you can still contact us, as we can still get you a loan modification.
A Loan Modification Program may cut your payments down by up to 50% , Reduce Your Rate to as low as 2% Fixed , STOP Foreclosure & Save Your Home , Forgiveness of Past Due Payments , Lower You’re Rate & Payments Permanently , Waive negatively accrued interest , Convert Your Adjustable rate for a Fixed Rate , Upside Down on Mortgage? Get Eligible for Principal Reduction Program.
Hardships can be anything like Reduction in Income - Due to Job Loss, Less Salary, Unemployment, Layoff, Divorce etc. Unaffordable Payments - Due to High Interest Rate, Adjustable Rate, High Taxes or Insurance. Upside down on Home - If you owe more than your home is worth and you can't refinance. Behind on Payments - If you are already late on your mortgage payments. Increase in Expenses, Medical/Health Issues, Family Crisis, Business Loss, Etc.
Send us an email at victormendoza@loanmodificationoptions.com or Call 832-380-8954 if you need help now!
Working Hours from: 9.00 a.m. – 5.00 p.m. (EST), Monday to Saturday
Mailing Address: PO. Box 214, Glendale RI 02826
Phone: 832-380-8954
Email: victormendoza@loanmodificationoptions.com