Home Loan Modification Services for Veterans
Apply now and get signed up for our professional loan modification services
A Loan Modification is enacted when the lender modifies your current mortgage in order to work with you because of a hardship. The purpose is to help make your loan more affordable. Usually it is in the form of a significant rate reduction and exchanging an adjustable rate for a low fixed rate.
- No Equity in Property Needed
- No FICO Score Requirement
We aim to get you into safer home loan with a goal of reducing your monthly payment to 38% or better of your current income.
For U.S. Veterans, you have two options:
1. VA Home Loan If you currently hold a VA Home Loan as your mortgage, then you would benefit from an IRRRL Loan Modiification, commonly known as a Streamline Refinance Loan.
Click for more information on IRRRL loan modification
2. Non-VA Home Loan If you currently hold a non-VA Home Loan (FHA, Conventional or other), then you would require our Loan Modification services for U.S. Veterans with Non-VA Loans.
Click here to apply for your loan modification
For Borrowers with Non-VA Loans
In the past, Loan Modification was only used when a borrower was delinquent and suffered a hardship such as a job loss, divorce, illness etc.
In today's market realities, hardship is much more and omnipresent. With our Loan Modification services, we will go the extra step to get a true loan modification that make cents.
How? Well, it's all about leverage.
When the mortgage knows you have real leverage, they work with you. Without it, they appease you. It's that simple.
Getting the Leverage You need
The first thing we do is perform a full forensic audit. Think of the show CSI, except it's a financial forensic report that we produce. We investigate what transpired when you obtained your current loan by going to your appraisal company, escrow, broker, banker, title company, and everyone esle invovled in the transaction.
What we are looking for are inconsistencies and irregularities or out right fraud.
Over the last 5 years, many issues were overlooked by vendors in the loan process and that gives us leverage in talking to your mortgage company.
You see, when we present the audit, it brings them to the negotiating table because they don't want it to go further. If it does, it's extrememly costly to them. It's makes more cents to negotiate at that point and that's what the goal is.....to get them to understand that negotiating is the way for this new situation to work itself into success.
And that's what do.
Some the goals we aim for are:
- Reduced Interest Rates that are fixed
- Reduced Monthly Payments
- Forgiveness of Principal when upside down on the equity
The earlier you get started, the better our collective chances are of negotiating a fixed rate and a payment that you can manage.
If you can afford your home and not just your loan, then you may be eligible for a loan modification.
Many people are simply getting lost in the system and suffering an unnecessary foreclosure when they could have worked it out with their lender.
However, when we the loan mod pros are involved, it seems as if the calls start to get answered and the letters responded to. Often this can make the difference between saving your home and losing your home.
So allow us to help you and be an important ally in your corner to get you the mortgage help you need, FAST!
Contact Us Now!
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