WE OFFER FINANCING!
WE ARE ONE OF THE ONLY LOAN MODIFICATION COMPANIES THAT OFFERS FINANCING! WE ARE SO CONFIDENT THAT WE OFFER FINANCING FOR UP TO 6 MONTHS ON A LOAN MODIFICATION!

 

Your Loan Modification Resource
The term Loan Modifications is one of the most searched terms, and all for good reason. There's good and bad press out there revolving around loan modifications and who can and can't perform a loan modification. Let us be completely upfront and say that loan modifications ARE difficult, but not impossible. Let's address the negative first . . . just like anything out in the consumer world, there's amateurs and professionals, making all the difference in either the experience, results or both. We are definitely professionals in the world of loan modifications. Most modification companies are comprised of lawyers or former mortgage brokers.

We are formed of lawyers, CPA's and internally trained bank employess, so you get the best of all in one! Our employees came directly from the largest banks in the nation and were tired of always saying "No" and formed Loans Modified America to HELP the as many people.

There are many people against the loan modification assistance programs, especially the banks! They actually say not to deal with a 3rd party companies. WELL OF COURSE! Because we know what actually can and cannot be done and they only want to do the bare minimum!

We are a no frills, no gimmicks company based out of Arizona and Southern California. Come see us in person or let's have a video conference and we can get to work to save your home.

View the loan modification process.

We are, above all else, a consumer advocate and pledge that our services are solely for the benefit of each and every homeowner. If the homeowner can no longer remain in their home because there is no house hold income, our firm will process a short sale for no additional charge. We never charge for short sales!

Our teams of attorneys, processors, mitigators, and negotiators have worked in major banks and were pioneers in developing protocols that are now mandatory at banks such as JP MORGAN CHASE.  We have an intimate understanding of why banks react the way they do. This is in direct contrast to attorney based firms. Yes attorneys do play a role in the process, but the core of Loans Modified America is the analyst which removes the element of combat and becomes more of a strategy.

We use the same computer software the government uses to qualify customers for modifications. For homeowners who want a modification it has to make sense. Just seeing that the government is offering the Home Affordability Program with low interest rates doesn’t justify the banks taking a loss on their monthly interest rates. You must have a hardship.  Hardships are a loss of job, income, adjusting interest rates, spouse laid off, divorce, or anything else involving the decrease of house hold income. When doing a modification the gross monthly income is the key factor. Now, by household income we mean exactly that. The income of a spouse or family member that is NOT on the loan can and will be used. But, they will not be liable for the loan. So no one can be added on or taken off the loan once the modification is complete. Example: husband is the only one on the loan, and is now unemployed. But, his girlfriend/ friend/ roommate/ wife is working and lives in the home, his/her/their income will be used to qualify.

A common misconception is that you have to be behind (or late) on your mortgage payments which is no longer the case. If you are working and paying the mortgage on time but doing so utilizing a savings or retirement account this is a hardship. By definition it’s called imminent default. Think of a loan modification as a new loan. If you could not afford your mortgage payment solely off of the income you receive from work, would this be a good loan? No!

Every media source, politician, and economic analyst all point to housing market as the down fall of the U.S. economy. More specifically, bad mortgage lending is to blame. Most homes are upside down in value. So, a refinance will not be a possibility to get consumers out from under high interest, adjustable loans, subprime loans, or people who have lost income.

So what is the solution? Modifications. And the government agrees so much that they are throwing 9 Billion dollars at this solution. This is estimated to be enough funds to effectively help 3 million homeowners. But, now that you no longer have to be past due, we will see more than 25 million applications.Do you want to be in the front of the line? Allow a professional to get you there.

Yes we do have attorneys that will file a law suit against the bank if they want to play hardball. But, this is only necessary if the banks will not work with our clients. These lawsuits consist of a subpoena for all the original loan documents needed for a servicer to accept your payment. And, during this process they cannot accept a payment from you until they prove they legally have the right to do so. The turnaround time for the banks to produce these documents average twelve months. Our attorney can provide case studies from Florida to California proving that these cases are always settled. The bank will offer the modification terms and possible principle reduction to prevent a successful lawsuit in which it is proven they are not able to except another payment on your home. 
We are ready to go to work for you! Loans Modified America is nationwide and we are available for your Free consultation from 8:00AM to 7:00PM Pacific Time or 24 hours on the web. We bring over 100 years collectively of experience in the mortgage industry, and use that expert knowledge and experience. Our job is to save as many homes as possible.

Call Loans Modified America Consultants today and let us show you how you can rediscover peace of mind.

We are not just a part of the process... we are part of the solution.

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