A Loan Modification is a long term solution for rising interest rates or other hardships that are threatening to overwhelm the budgets of Homeowners and forcing them into losing their homes. It is a process where the terms of your mortgage is modified outside the original terms of the contract agreed to by you and the lender. This may include the adjustment of rate, payment and/or length of your loan.

It is the most effective resource you can use if you are behind on your mortgage and have been impacted by a financial hardship. A Loan Modification can save your home from entering foreclosure and can prevent the foreclosure from occurring.
Many consumers are confused and tired of getting lost in a system that they don't understand. Foreclosure is not an option for anyone. By taking the first steps to avoid and stop foreclosure, you'll be able to learn and understand just what a Loan Modification is and how it may help you stay in your home.

Our goal is to demonstrate to each lender why it is in their best interest to agree to a workout arrangement. Modifying a loan has benefited many lenders as well as many Homeowners just like you.

ANYONE CAN EXPERIENCE A FINANCIAL HARDSHIP.
FORECLOSURE IS NOT AN OPTION.

THE GOOD NEWS IS, WE CAN HELP!

There are a record number of people receiving a Notice of Default and losing their home to foreclosure every day.
Many situations can affect a person's ability to make timely mortgage payments, including:

Adjustable Rate Mortgage Reset Payment Shock Illness Loss of Job Reduced Income Failed Business Job Relocation Death of Spouse Death of Borrower or Co-Borrower Incarceration Divorce Marital Separation Military Duty Reduced Income Medical Bills

The reality is that any of these issues can cause a person to fall behind on their mortgage payments. While this time may seem stressful and overwhelming there is assistance available to you. Our experienced and licensed Foreclosure Consultants can negotiate with your lender to stop the foreclosure process, and help you save your home, and your credit. If your goal is to sell your home, but owe more than it is worth, then we can negotiate a short sale with your lender to prevent foreclosure.

Time is working against you right now. You need to take action immediately.
Facing foreclosure is a serious issue and cannot be ignored.
If you want to stop the foreclosure process and protect your credit, then you need to put our services to work for you.

Get started today and fill out our FREE Prequalification form or call 702-454-0001 for a free consultation today.

We specialize in working with your lender, or lenders, to modify your current loan(s) which will change the existing mortgage note, reduce your payment, and give you a fresh new start in managing your home. Your mortgage account will be brought up to date immediately following a successful loan modification

We fully understand the serious nature of your problem and are aware that you may only have a short time to overcome the real possibility of losing your home to foreclosure.

Unfortunately homeowners that try to work directly with their lender have a failure rate of over 80%. As Professionals who understand Loss Mitigation, our Foreclosure Consultants have many years of mortgage lending experience and we know the lender’s guidelines and income windows that they will work with, which in turn gives you the advantage needed to get your loan modification approved and a payment plan that you can afford. We know how to help you. Put our expertise into action! Call us today for a FREE Prequalification. If we are unable to qualify you for a loan modification, we can recommend an alternative solution that can help you.

Please note: We believe bankruptcy is the absolute LAST resort.

We are committed to helping you keep your home. Our experienced Foreclosure Consultants work with lenders every day, making them more willing to work with us and our clients. We know who to contact and how to present your situation, so that you receive the most favorable solution. The following are just some of the ways that we can prevent foreclosure:

LOAN MODIFICATION

This is typically the best option for our clients and is our primary focus.
Our Foreclosure Consultant will assist you in supplying the appropriate information to your lender to negotiate the appropriate measures to modify the term(s) of your mortgage and will apply proven strategies in order to secure a fair and beneficial loan modification from your lender. A modification will result in one or more of the following:

• Lower interest rate.
• Principal balance reduction.
• Lower monthly payment.
• Loan term extended.
• ARM rate converted to fixed rate.
• Capitalization of delinquency.

FORBEARANCE
If you have incurred a short term financial hardship and your loan is two or more months past due, your Foreclosure Consultant may recommend a forbearance plan which is a structured arrangement in which you repay delinquent installments or advances to bring the mortgage current. Only after reviewing your financial situation will this option be considered. All clients must be able to show that they can afford this plan in order to be eligible.

SHORT SALE
If you have suffered a long term financial hardship and are unable to maintain even a modified loan or if you need to sell the property to avoid a default loss on the property, we can negotiate a short payoff on your behalf. A qualified buyer is required. There may be tax ramifications associated with any short payoff and you should consult your tax advisor for details.

DEED-IN-LIEU OF FORECLOSURE
In general we consider this an option of last resort.
If you have incurred a long term financial hardship and your house has been on the market (at fair market value) for at least 90 days, you may be eligible for a deed-in lieu of foreclosure. To be considered for this option, you must complete a financial package and provide a copy of your recent active listing agreement. Also, there cannot be any additional claims or liens (other than the mortgage) against the property. If you are approved for a deed-in-lieu, you will be giving up all rights to the property and the property will be conveyed to your investor. In exchange for the deed-in-lieu, the lender may waiver all deficiency judgment rights. You may be asked to participate in a Short Sale program before a deed-in-lieu of foreclosure is accepted.