With our services, there is No charge prior to any work being completed. 

We will work on your behalf and Only expect payment once services are rendered.

Here is how it works....

 Step 1 Prequalification Stage - 

24 hr pre approval, no cost, confidential, No obligation!

Here you will go over your documents with your personal account manager and see if you would have a good case to present to the lender. Not everyone is going to qualify. We need to see if you would likely qualify financially for a loan modification. Lenders are looking at cash flow. We give it to you honestly. We tell you what you need to know, not just what you want to hear.

We will let you know where you are at, what your options are and how best to proceed. It's your house and We are not a just another "Loan Mod Company" we are Loss Mitigation firm built with the client in mind first. Not the banks. The banks do however appreciate our efforts. There's probably no better file than one that comes in packaged neatly with everything that is required to be reviewed and considered for a loan modification. Which brings us to...

Step 2 The Three P's 

Preparing, Processing and Presenting.

In step two we gather all of your documentation and process your file. We work your case and package your file to submit to the lender. This important step is required when dealing with your lenders. See, what happens is this; the lenders have been overwhelmed by requests to halt foreclosure and modify loans by millions of American homeowners. You could guess that 99% of these people calling their lenders have no experience in dealing with loss mitigation servicing departments.

This means that you have claims negotiators inside the lender call centers trying to make heads or tails of a homeowner's situation and see if they qualify. Imagine how frustrating it would be to be that negotiator who has to train and hold the hand of the borrower who needs to gather documentation and present their case.  Very frustrating and very inefficient.

Then, don't forget the guy who is willing to fake a hardship case in order to "get a better deal than his neighbor" and just wants a lower rate without a refinance.  While it may be clever to try it, most get shushed away by the negotiators.  So naturally, the negotiators are defensive when their job requires them to mitigate losses for the lender.

We give you the short cut you need.

Our decades of experience in dealing with mortgage files makes us uniquely qualified to process your file to the degree that when that negotiator in the lenders office receives your file, they smile and thank us.  Seriously, they do.   

We have everything the lender would need from a debt and income question, the file is neatly packaged and even flows nicely explaining exactly what we are looking for and exactly why and how it is in the lenders best interest to do so.  We know how much a foreclosure costs the lenders, a change to the note for a deserving borrower to save the company money, can be a good thing.  If presented well.

We will completely process and prepare and package your file and when all necessary documents are in, reviewed and the file is ready submitted to the lender, you can decide then whether or not to proceed. to.....Step 3.

Step 3 - Let the Negotiations Begin!

Now your completed file is submitted to the lender.  You have the choice to continue with the loan modification request on your own, or hire us to do the negotiations for you.

If you choose us to negotiate the file for you, We are not paid until we succeed for you!