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Attn: Homeowner,
PLEASE READ! DO NOT MAKE THE SAME MISTAKE WHICH MANY OTHER HOMEOWNERS HAVE EXPERIENCED, DUE TO LACK OF KNOWLEDGE AND MISINFORMATION!
My recommendation is that you complete the enrollment forms and send them in for a case review which is
FREE!
Most homeowners who choose to do their modification directly with their lender typically get DENIED. They unknowingly HURT their CHANCES for a modification due to inexperience.
Every Bank or Investor has different guidelines, income to debt criteria, along with the property profile report information it evaluates in order to determine qualification. When you work directly with your bank you simply deal with a customer service representative or to be blunt, a minimum wage PAPER PUSHER that you are counting on to save your family’s most valuable asset “YOUR HOME”.
The situation is this; your lender is going to give you paperwork to complete and will ask for additional documentation. You then send in your documents and the paper pusher is going forward them to another department where they will be uploaded into the bank’s system. At this point your information is “UNCHANGEABLE.” It will be TOO LATE to add or delete pertinent information and you will be DENIED. This is a big gamble to take with your home.
You must understand millions of people are presently trying to obtain a modification, the banks simply do not have time to go through your file to STRUCTURE IT PROPERLY so you can better qualify for a modification, nor do they have the RESOURCES to pay actual banking underwriters to scrutinize your documentation and present it, based on your investor’s modification requirements to optimize the result. Remember at the end of the day, the banks are still getting their bail-out funds daily and you are just another number to them.
We have an excellent closing SUCCESS RATE due to the fact we take a more professional and analytical approach to the modification process. Every NEGOTIATOR in our office has been a BANK UNDERWRITER or the head of a BANKING PROCESSING CENTER. Every file is pre-screened and underwritten for all potential clients before they enroll into our modification program. Once you pass our initial case review and move forward with our program, you will be assigned to an underwriter and a chief negotiator whom you will be able to contact at anytime throughout the process.
If we say you can get a modification through our program you will. One additional point to mention; most banks do not really offer true modifications; they typically offer a forbearance plan including verbiage in the fine print which actually makes the savings you are receiving, all due and payable at a later date in a BALLOON PAYMENT. This is yet another reason why it pays to have an attorney negotiate and represent you.
It is a proven fact third party attorney modification companies like ours negotiate SUPERIOR LOAN DISCOUNTS as well as much LOWER RATES than those banks will offer you directly. Remember every savings you receive is a loss to the bank’s bottom-line; they never offer the biggest and best deal. Attorney firms like ours succeed in obtaining the maximum loan discount and the lowest possible interest rate.
If you have any further questions with the application or process, or if you would like me to review your financial situation, please call me at 800-529-3909
(KNOWLEDGE IS KEY)
PROTECTING FAMILIES “One Home At A Time”
WE REPRESENT - WE NEGOTIATE - WE PROTECT
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